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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 | $38,189 | $67,894-43.8% | $89,340-57.3% | $82,448-53.7% |
| Participation rate | 10.7% | 64.0%-53.3pp | 69.6%-58.9pp | 68.1%-57.4pp |
| Annual return | 16.40% | 19.21%-2.8pp | 20.57%-4.2pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,395 | $1,828-23.7% | $2,231-37.5% | $2,551-45.3% |
| Participant deferral / active EE | $199 | $3,072-93.5% | $3,823-94.8% | $4,139-95.2% |
| Admin fee / account holder | $529 | $5,723-90.8% | $6,704-92.1% | $7,234-92.7% |