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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 | $48,166 | $107,421-55.2% | $182,262-73.6% | $94,015-48.8% |
| Participation rate | 31.3% | 77.8%-46.4pp | 84.2%-52.9pp | 70.8%-39.5pp |
| Annual return | 15.98% | 21.32%-5.3pp | 140.60%-124.6pp | 17.84%-1.9pp |
| Employer contribution / active EE | $2,399 | $3,448-30.4% | $5,046-52.4% | $2,790-14.0% |
| Participant deferral / active EE | $2,219 | $6,558-66.2% | $8,276-73.2% | $4,249-47.8% |
| Admin fee / account holder | $3,248 | $8,692-62.6% | $16,712-80.6% | $8,951-63.7% |