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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 | $58,833 | $101,778-42.2% | $164,975-64.3% | $80,925-27.3% |
| Participation rate | 45.5% | 71.8%-26.4pp | 78.6%-33.2pp | 67.7%-22.2pp |
| Annual return | 14.10% | 16.73%-2.6pp | 70.12%-56.0pp | 35.65%-21.5pp |
| Employer contribution / active EE | $1,004 | $2,954-66.0% | $4,343-76.9% | $2,756-63.6% |
| Participant deferral / active EE | $1,657 | $4,477-63.0% | $6,033-72.5% | $4,299-61.4% |
| Admin fee / account holder | $7,760 | $8,221-5.6% | $12,688-38.8% | $6,940+11.8% |