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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 | $56,752 | $91,120-37.7% | $161,149-64.8% | $64,097-11.5% |
| Participation rate | 27.6% | 62.2%-34.6pp | 78.8%-51.3pp | 55.2%-27.6pp |
| Annual return | 14.49% | 17.95%-3.5pp | 21.16%-6.7pp | 34.64%-20.1pp |
| Employer contribution / active EE | $549 | $2,284-76.0% | $4,360-87.4% | $1,891-71.0% |
| Participant deferral / active EE | $1,138 | $3,708-69.3% | $6,153-81.5% | $3,080-63.1% |
| Admin fee / account holder | $7,912 | $4,535+74.5% | $15,194-47.9% | $3,454+129.0% |