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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 | $47,169 | $106,524-55.7% | $152,301-69.0% | $87,485-46.1% |
| Participation rate | 36.0% | 75.8%-39.8pp | 82.4%-46.4pp | 68.9%-32.9pp |
| Annual return | 18.51% | 26.89%-8.4pp | 80.50%-62.0pp | 26.06%-7.6pp |
| Employer contribution / active EE | $1,022 | $3,371-69.7% | $4,624-77.9% | $2,596-60.6% |
| Participant deferral / active EE | $2,354 | $6,525-63.9% | $8,004-70.6% | $4,274-44.9% |
| Admin fee / account holder | $1,196 | $8,287-85.6% | $14,398-91.7% | $7,775-84.6% |