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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 | $23,772 | $81,504-70.8% | $102,437-76.8% | $80,959-70.6% |
| Participation rate | 55.2% | 66.9%-11.6pp | 74.5%-19.3pp | 67.7%-12.4pp |
| Annual return | 12.91% | 25.60%-12.7pp | 24.95%-12.0pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,232 | $3,104-60.3% | $3,871-68.2% | $2,757-55.3% |
| Participant deferral / active EE | $1,025 | $3,871-73.5% | $5,060-79.7% | $4,300-76.2% |
| Admin fee / account holder | $553 | $6,719-91.8% | $8,388-93.4% | $6,925-92.0% |