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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 | $46,556 | $106,524-56.3% | $152,301-69.4% | $87,485-46.8% |
| Participation rate | 54.8% | 75.8%-21.0pp | 82.4%-27.7pp | 68.9%-14.2pp |
| Annual return | 14.74% | 26.89%-12.2pp | 80.50%-65.8pp | 26.06%-11.3pp |
| Employer contribution / active EE | $745 | $3,371-77.9% | $4,624-83.9% | $2,596-71.3% |
| Participant deferral / active EE | $1,263 | $6,525-80.6% | $8,004-84.2% | $4,274-70.5% |
| Admin fee / account holder | $5,981 | $8,287-27.8% | $14,398-58.5% | $7,775-23.1% |