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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 | $70,766 | $81,403-13.1% | $147,027-51.9% | $87,485-19.1% |
| Participation rate | 34.2% | 63.4%-29.2pp | 73.7%-39.5pp | 68.9%-34.7pp |
| Annual return | 11.41% | 16.51%-5.1pp | 20.23%-8.8pp | 26.06%-14.6pp |
| Employer contribution / active EE | $643 | $2,205-70.8% | $3,626-82.3% | $2,596-75.2% |
| Participant deferral / active EE | $908 | $3,315-72.6% | $4,933-81.6% | $4,274-78.8% |
| Admin fee / account holder | $1,869 | $6,755-72.3% | $12,223-84.7% | $7,775-76.0% |