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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 | $38,538 | $60,349-36.1% | $74,184-48.1% | $62,881-38.7% |
| Participation rate | 60.0% | 72.7%-12.7pp | 76.6%-16.6pp | 69.3%-9.3pp |
| Annual return | 14.08% | 21.38%-7.3pp | 17.74%-3.7pp | 20.14%-6.1pp |
| Employer contribution / active EE | $938 | $1,680-44.2% | $2,370-60.4% | $2,281-58.9% |
| Participant deferral / active EE | $1,180 | $2,856-58.7% | $3,550-66.8% | $3,203-63.2% |
| Admin fee / account holder | $304 | $4,261-92.9% | $5,586-94.6% | $4,296-92.9% |