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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 | $87,180-18.8% | $173,703-59.3% | $94,015-24.7% |
| Participation rate | 34.2% | 65.6%-31.4pp | 75.9%-41.7pp | 70.8%-36.6pp |
| Annual return | 11.41% | 14.17%-2.8pp | 17.46%-6.0pp | 17.84%-6.4pp |
| Employer contribution / active EE | $643 | $2,494-74.2% | $4,288-85.0% | $2,790-76.9% |
| Participant deferral / active EE | $908 | $3,343-72.8% | $4,854-81.3% | $4,249-78.6% |
| Admin fee / account holder | $1,869 | $7,506-75.1% | $15,562-88.0% | $8,951-79.1% |