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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 | $53,840 | $106,524-49.5% | $152,301-64.6% | $87,485-38.5% |
| Participation rate | 38.1% | 75.8%-37.7pp | 82.4%-44.4pp | 68.9%-30.8pp |
| Annual return | 18.34% | 26.89%-8.6pp | 80.50%-62.2pp | 26.06%-7.7pp |
| Employer contribution / active EE | $1,665 | $3,371-50.6% | $4,624-64.0% | $2,596-35.9% |
| Participant deferral / active EE | $1,908 | $6,525-70.8% | $8,004-76.2% | $4,274-55.3% |
| Admin fee / account holder | $2,235 | $8,287-73.0% | $14,398-84.5% | $7,775-71.3% |