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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 | $44,919 | $91,120-50.7% | $161,149-72.1% | $64,097-29.9% |
| Participation rate | 19.5% | 62.2%-42.7pp | 78.8%-59.3pp | 55.2%-35.7pp |
| Annual return | 14.98% | 17.95%-3.0pp | 21.16%-6.2pp | 34.64%-19.7pp |
| Employer contribution / active EE | $546 | $2,284-76.1% | $4,360-87.5% | $1,891-71.1% |
| Participant deferral / active EE | $1,016 | $3,708-72.6% | $6,153-83.5% | $3,080-67.0% |
| Admin fee / account holder | $1,358 | $4,535-70.1% | $15,194-91.1% | $3,454-60.7% |