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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 | $27,654 | $47,448-41.7% | $94,993-70.9% | $62,293-55.6% |
| Participation rate | 13.8% | 66.5%-52.7pp | 73.9%-60.1pp | 69.5%-55.7pp |
| Annual return | 51.74% | 22.64%+29.1pp | 27.14%+24.6pp | 28.90%+22.8pp |
| Employer contribution / active EE | $377 | $1,300-71.0% | $2,603-85.5% | $2,042-81.5% |
| Participant deferral / active EE | $916 | $2,375-61.4% | $3,317-72.4% | $3,169-71.1% |
| Admin fee / account holder | $1,385 | $434+219.0% | $4,960-72.1% | $479+189.0% |