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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 | $73,358 | $76,834-4.5% | $108,359-32.3% | $87,485-16.1% |
| Participation rate | 37.5% | 61.7%-24.2pp | 70.1%-32.6pp | 68.9%-31.4pp |
| Annual return | 16.46% | 19.09%-2.6pp | 36.89%-20.4pp | 26.06%-9.6pp |
| Employer contribution / active EE | $781 | $1,556-49.8% | $2,399-67.5% | $2,596-69.9% |
| Participant deferral / active EE | $1,158 | $3,100-62.6% | $4,137-72.0% | $4,274-72.9% |
| Admin fee / account holder | $857 | $6,537-86.9% | $9,741-91.2% | $7,775-89.0% |