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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 | $31,938 | $76,551-58.3% | $123,894-74.2% | $62,881-49.2% |
| Participation rate | 32.4% | 73.0%-40.5pp | 81.4%-49.0pp | 69.3%-36.9pp |
| Annual return | 6.95% | 18.68%-11.7pp | 47.52%-40.6pp | 20.14%-13.2pp |
| Employer contribution / active EE | $725 | $2,882-74.8% | $4,617-84.3% | $2,281-68.2% |
| Participant deferral / active EE | $1,306 | $4,840-73.0% | $5,984-78.2% | $3,203-59.2% |
| Admin fee / account holder | $1,902 | $4,826-60.6% | $8,357-77.2% | $4,296-55.7% |