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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 | $36,256 | $81,358-55.4% | $155,556-76.7% | $80,959-55.2% |
| Participation rate | 44.4% | 66.3%-21.8pp | 78.2%-33.8pp | 67.7%-23.2pp |
| Annual return | 13.29% | 33.39%-20.1pp | 64.84%-51.5pp | 35.67%-22.4pp |
| Employer contribution / active EE | $1,077 | $3,106-65.3% | $4,675-77.0% | $2,757-60.9% |
| Participant deferral / active EE | $800 | $3,455-76.9% | $5,631-85.8% | $4,300-81.4% |
| Admin fee / account holder | $2,509 | $7,994-68.6% | $15,885-84.2% | $6,925-63.8% |