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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 | $45,114 | $72,471-37.7% | $94,215-52.1% | $86,983-48.1% |
| Participation rate | 29.0% | 63.9%-34.8pp | 70.0%-40.9pp | 69.5%-40.5pp |
| Annual return | 15.08% | 26.44%-11.4pp | 28.22%-13.1pp | 25.83%-10.8pp |
| Employer contribution / active EE | $690 | $1,936-64.3% | $2,675-74.2% | $2,584-73.3% |
| Participant deferral / active EE | $1,299 | $3,397-61.8% | $4,276-69.6% | $4,194-69.0% |
| Admin fee / account holder | $333 | $6,468-94.8% | $10,216-96.7% | $7,856-95.8% |