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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 | $68,230 | $52,279+30.5% | $89,414-23.7% | $79,852-14.6% |
| Participation rate | 15.6% | 57.5%-41.9pp | 68.0%-52.4pp | 69.6%-54.0pp |
| Annual return | 17.14% | 22.16%-5.0pp | 245.50%-228.4pp | 31.72%-14.6pp |
| Employer contribution / active EE | $327 | $1,572-79.2% | $2,586-87.3% | $2,471-86.8% |
| Participant deferral / active EE | $401 | $2,740-85.4% | $3,890-89.7% | $3,740-89.3% |
| Admin fee / account holder | $604 | $3,356-82.0% | $4,883-87.6% | $5,306-88.6% |