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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 | $49,672 | $72,269-31.3% | $101,271-51.0% | $79,852-37.8% |
| Participation rate | 12.1% | 68.5%-56.3pp | 75.8%-63.7pp | 69.6%-57.5pp |
| Annual return | 12.84% | 22.29%-9.5pp | 46.48%-33.6pp | 31.72%-18.9pp |
| Employer contribution / active EE | $954 | $2,692-64.5% | $3,660-73.9% | $2,471-61.4% |
| Participant deferral / active EE | $934 | $3,282-71.6% | $4,371-78.6% | $3,740-75.0% |
| Admin fee / account holder | $4,493 | $4,401+2.1% | $5,948-24.5% | $5,306-15.3% |