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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 | $42,392 | $58,868-28.0% | $191,597-77.9% | $64,097-33.9% |
| Participation rate | 18.5% | 50.0%-31.6pp | 76.9%-58.5pp | 55.2%-36.7pp |
| Annual return | 17.72% | 31.54%-13.8pp | 27.07%-9.3pp | 34.64%-16.9pp |
| Employer contribution / active EE | $792 | $2,243-64.7% | $5,025-84.2% | $1,891-58.1% |
| Participant deferral / active EE | $1,322 | $3,724-64.5% | $6,850-80.7% | $3,080-57.1% |
| Admin fee / account holder | $4,095 | $4,871-15.9% | $22,799-82.0% | $3,454+18.5% |