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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 | $66,583 | $115,931-42.6% | $185,441-64.1% | $86,983-23.5% |
| Participation rate | 37.9% | 73.6%-35.7pp | 80.3%-42.3pp | 69.5%-31.6pp |
| Annual return | 13.92% | 21.47%-7.6pp | 20.16%-6.2pp | 25.83%-11.9pp |
| Employer contribution / active EE | $983 | $2,937-66.5% | $4,672-79.0% | $2,584-62.0% |
| Participant deferral / active EE | $1,923 | $4,551-57.7% | $6,152-68.7% | $4,194-54.1% |
| Admin fee / account holder | $2,158 | $10,687-79.8% | $17,890-87.9% | $7,856-72.5% |