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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 | $95,453-36.3% | $112,040-45.8% | $82,448-26.3% |
| Participation rate | 45.3% | 72.8%-27.4pp | 76.5%-31.1pp | 68.1%-22.7pp |
| Annual return | 27.49% | 23.92%+3.6pp | 24.52%+3.0pp | 41.64%-14.2pp |
| Employer contribution / active EE | $928 | $2,318-60.0% | $2,954-68.6% | $2,551-63.6% |
| Participant deferral / active EE | $1,695 | $4,224-59.9% | $5,098-66.7% | $4,139-59.0% |
| Admin fee / account holder | $3,324 | $9,013-63.1% | $12,098-72.5% | $7,234-54.1% |