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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 | $38,607 | $67,606-42.9% | $82,313-53.1% | $70,124-44.9% |
| Participation rate | 41.2% | 72.8%-31.6pp | 76.9%-35.7pp | 69.5%-28.4pp |
| Annual return | 13.95% | 21.57%-7.6pp | 25.88%-11.9pp | 73.14%-59.2pp |
| Employer contribution / active EE | $648 | $1,755-63.1% | $2,428-73.3% | $2,342-72.4% |
| Participant deferral / active EE | $608 | $2,987-79.6% | $3,706-83.6% | $3,332-81.7% |
| Admin fee / account holder | $5,041 | $4,512+11.7% | $5,608-10.1% | $4,645+8.5% |