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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 | $34,492 | $76,107-54.7% | $96,576-64.3% | $71,495-51.8% |
| Participation rate | 44.6% | 74.4%-29.8pp | 76.0%-31.3pp | 67.9%-23.3pp |
| Annual return | 21.12% | 22.81%-1.7pp | 25.87%-4.8pp | 28.85%-7.7pp |
| Employer contribution / active EE | $1,008 | $2,247-55.2% | $2,965-66.0% | $2,589-61.1% |
| Participant deferral / active EE | $1,260 | $4,218-70.1% | $4,851-74.0% | $4,291-70.6% |
| Admin fee / account holder | $1,330 | $2,708-50.9% | $8,253-83.9% | $1,588-16.3% |