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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 | $27,381 | $56,918-51.9% | $182,558-85.0% | $65,186-58.0% |
| Participation rate | 32.0% | 66.5%-34.5pp | 78.0%-46.0pp | 70.2%-38.2pp |
| Annual return | 21.89% | 27.67%-5.8pp | 148.59%-126.7pp | 29.39%-7.5pp |
| Employer contribution / active EE | $472 | $1,615-70.8% | $4,076-88.4% | $2,177-78.3% |
| Participant deferral / active EE | $1,085 | $3,526-69.2% | $5,526-80.4% | $3,514-69.1% |
| Admin fee / account holder | $6,217 | $531+1070.4% | $8,594-27.7% | $847+633.7% |