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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 | $66,037 | $81,457-18.9% | $103,378-36.1% | $80,911-18.4% |
| Participation rate | 45.0% | 66.8%-21.8pp | 74.5%-29.5pp | 67.6%-22.6pp |
| Annual return | 10.57% | 25.58%-15.0pp | 24.91%-14.3pp | 35.63%-25.1pp |
| Employer contribution / active EE | $3,028 | $3,107-2.5% | $3,870-21.8% | $2,756+9.9% |
| Participant deferral / active EE | $740 | $3,871-80.9% | $5,058-85.4% | $4,297-82.8% |
| Admin fee / account holder | $2,705 | $6,717-59.7% | $8,401-67.8% | $6,935-61.0% |