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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 | $39,355 | $106,864-63.2% | $147,318-73.3% | $82,637-52.4% |
| Participation rate | 38.9% | 75.5%-36.6pp | 82.1%-43.2pp | 68.1%-29.2pp |
| Annual return | 17.85% | 27.49%-9.6pp | 70.43%-52.6pp | 53.51%-35.7pp |
| Employer contribution / active EE | $817 | $3,417-76.1% | $4,593-82.2% | $2,552-68.0% |
| Participant deferral / active EE | $2,075 | $6,496-68.0% | $7,906-73.8% | $4,126-49.7% |
| Admin fee / account holder | $1,403 | $8,415-83.3% | $13,708-89.8% | $7,339-80.9% |