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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 | $48,848 | $76,551-36.2% | $123,894-60.6% | $62,881-22.3% |
| Participation rate | 54.7% | 73.0%-18.3pp | 81.4%-26.8pp | 69.3%-14.7pp |
| Annual return | 13.87% | 18.68%-4.8pp | 47.52%-33.7pp | 20.14%-6.3pp |
| Employer contribution / active EE | $745 | $2,882-74.1% | $4,617-83.9% | $2,281-67.3% |
| Participant deferral / active EE | $1,939 | $4,840-59.9% | $5,984-67.6% | $3,203-39.5% |
| Admin fee / account holder | $951 | $4,826-80.3% | $8,357-88.6% | $4,296-77.9% |