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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 | $35,804 | $67,602-47.0% | $82,312-56.5% | $70,126-48.9% |
| Participation rate | 49.2% | 72.8%-23.6pp | 76.9%-27.7pp | 69.5%-20.4pp |
| Annual return | 22.21% | 21.57%+0.6pp | 25.88%-3.7pp | 73.15%-50.9pp |
| Employer contribution / active EE | $549 | $1,755-68.7% | $2,428-77.4% | $2,343-76.6% |
| Participant deferral / active EE | $1,239 | $2,987-58.5% | $3,706-66.6% | $3,332-62.8% |
| Admin fee / account holder | $5,089 | $4,512+12.8% | $5,608-9.2% | $4,645+9.6% |