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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 | $47,056 | $67,606-30.4% | $82,313-42.8% | $70,124-32.9% |
| Participation rate | 51.9% | 72.8%-20.9pp | 76.9%-25.0pp | 69.5%-17.7pp |
| Annual return | 19.78% | 21.57%-1.8pp | 25.88%-6.1pp | 73.14%-53.4pp |
| Employer contribution / active EE | $1,885 | $1,755+7.4% | $2,428-22.4% | $2,342-19.6% |
| Participant deferral / active EE | $1,190 | $2,987-60.2% | $3,706-67.9% | $3,332-64.3% |
| Admin fee / account holder | $8,032 | $4,512+78.0% | $5,608+43.2% | $4,645+72.9% |