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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 | $72,372 | $73,787-1.9% | $98,716-26.7% | $82,448-12.2% |
| Participation rate | 27.9% | 61.4%-33.5pp | 69.3%-41.4pp | 68.1%-40.2pp |
| Annual return | 14.93% | 18.57%-3.6pp | 31.81%-16.9pp | 41.64%-26.7pp |
| Employer contribution / active EE | $339 | $1,511-77.6% | $2,279-85.1% | $2,551-86.7% |
| Participant deferral / active EE | $1,190 | $3,081-61.4% | $4,048-70.6% | $4,139-71.2% |
| Admin fee / account holder | $463 | $6,500-92.9% | $8,703-94.7% | $7,234-93.6% |