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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 | $48,684 | $115,931-58.0% | $185,441-73.7% | $86,983-44.0% |
| Participation rate | 37.3% | 73.6%-36.4pp | 80.3%-43.0pp | 69.5%-32.3pp |
| Annual return | 17.22% | 21.47%-4.3pp | 20.16%-2.9pp | 25.83%-8.6pp |
| Employer contribution / active EE | $1,565 | $2,937-46.7% | $4,672-66.5% | $2,584-39.4% |
| Participant deferral / active EE | $2,036 | $4,551-55.3% | $6,152-66.9% | $4,194-51.5% |
| Admin fee / account holder | $3,718 | $10,687-65.2% | $17,890-79.2% | $7,856-52.7% |