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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 | $79,301 | $106,524-25.6% | $152,301-47.9% | $87,485-9.4% |
| Participation rate | 42.5% | 75.8%-33.3pp | 82.4%-39.9pp | 68.9%-26.4pp |
| Annual return | 18.07% | 26.89%-8.8pp | 80.50%-62.4pp | 26.06%-8.0pp |
| Employer contribution / active EE | $1,014 | $3,371-69.9% | $4,624-78.1% | $2,596-60.9% |
| Participant deferral / active EE | $1,816 | $6,525-72.2% | $8,004-77.3% | $4,274-57.5% |
| Admin fee / account holder | $3,909 | $8,287-52.8% | $14,398-72.8% | $7,775-49.7% |