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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,118 | $86,298-63.9% | $111,308-72.0% | $85,847-63.8% |
| Participation rate | 40.5% | 73.3%-32.8pp | 77.3%-36.8pp | 69.3%-28.8pp |
| Annual return | 29.08% | 19.99%+9.1pp | 54.67%-25.6pp | 318.61%-289.5pp |
| Employer contribution / active EE | $526 | $2,044-74.3% | $2,732-80.8% | $2,565-79.5% |
| Participant deferral / active EE | $1,142 | $3,641-68.6% | $4,487-74.5% | $3,952-71.1% |
| Admin fee / account holder | $1,462 | $8,189-82.1% | $7,965-81.6% | $6,261-76.6% |