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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 | $58,077 | $54,245+7.1% | $93,727-38.0% | $77,762-25.3% |
| Participation rate | 17.4% | 63.9%-46.6pp | 68.7%-51.4pp | 70.6%-53.2pp |
| Annual return | 13.62% | 30.58%-17.0pp | 133.83%-120.2pp | 31.27%-17.6pp |
| Employer contribution / active EE | $288 | $1,168-75.3% | $2,421-88.1% | $2,728-89.4% |
| Participant deferral / active EE | $872 | $3,144-72.2% | $4,417-80.2% | $4,651-81.2% |
| Admin fee / account holder | $5,875 | $575+921.0% | $8,292-29.1% | $433+1257.1% |