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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 | $34,997 | $59,804-41.5% | $81,982-57.3% | $79,856-56.2% |
| Participation rate | 40.0% | 61.6%-21.6pp | 69.3%-29.3pp | 69.6%-29.6pp |
| Annual return | 16.67% | 17.56%-0.9pp | 41.31%-24.6pp | 31.71%-15.0pp |
| Employer contribution / active EE | $662 | $1,713-61.4% | $2,498-73.5% | $2,471-73.2% |
| Participant deferral / active EE | $835 | $2,695-69.0% | $3,722-77.6% | $3,741-77.7% |
| Admin fee / account holder | $3,503 | $4,288-18.3% | $5,665-38.2% | $5,306-34.0% |