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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 | $89,596 | $157,829-43.2% | $136,867-34.5% | $198,609-54.9% |
| Participation rate | 45.5% | 77.2%-31.7pp | 74.5%-29.1pp | 82.4%-36.9pp |
| Annual return | 9.11% | 51.25%-42.1pp | 42.97%-33.9pp | 202.70%-193.6pp |
| Employer contribution / active EE | $787 | $3,923-79.9% | $3,547-77.8% | $5,055-84.4% |
| Participant deferral / active EE | $1,026 | $5,463-81.2% | $4,924-79.2% | $6,977-85.3% |
| Admin fee / account holder | $1,730 | $11,107-84.4% | $10,340-83.3% | $19,030-90.9% |