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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 | $60,779 | $100,194-39.3% | $122,979-50.6% | $86,983-30.1% |
| Participation rate | 45.3% | 73.0%-27.6pp | 77.2%-31.8pp | 69.5%-24.2pp |
| Annual return | 27.49% | 16.47%+11.0pp | 20.12%+7.4pp | 25.83%+1.7pp |
| Employer contribution / active EE | $928 | $2,326-60.1% | $3,062-69.7% | $2,584-64.1% |
| Participant deferral / active EE | $1,695 | $4,133-59.0% | $5,003-66.1% | $4,194-59.6% |
| Admin fee / account holder | $3,324 | $10,148-67.2% | $12,864-74.2% | $7,856-57.7% |