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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 | $54,437 | $81,504-33.2% | $102,437-46.9% | $80,959-32.8% |
| Participation rate | 31.3% | 66.9%-35.6pp | 74.5%-43.3pp | 67.7%-36.4pp |
| Annual return | 18.40% | 25.60%-7.2pp | 24.95%-6.6pp | 35.67%-17.3pp |
| Employer contribution / active EE | $919 | $3,104-70.4% | $3,871-76.3% | $2,757-66.7% |
| Participant deferral / active EE | $1,344 | $3,871-65.3% | $5,060-73.4% | $4,300-68.7% |
| Admin fee / account holder | $6,206 | $6,719-7.6% | $8,388-26.0% | $6,925-10.4% |