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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 | $37,986 | $69,444-45.3% | $92,985-59.1% | $87,485-56.6% |
| Participation rate | 22.2% | 63.3%-41.1pp | 69.5%-47.3pp | 68.9%-46.7pp |
| Annual return | 15.87% | 23.85%-8.0pp | 27.99%-12.1pp | 26.06%-10.2pp |
| Employer contribution / active EE | $606 | $1,917-68.4% | $2,662-77.2% | $2,596-76.6% |
| Participant deferral / active EE | $925 | $3,364-72.5% | $4,377-78.9% | $4,274-78.4% |
| Admin fee / account holder | $4,335 | $6,137-29.4% | $9,463-54.2% | $7,775-44.2% |