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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 | $37,758 | $95,453-60.4% | $112,040-66.3% | $82,448-54.2% |
| Participation rate | 43.2% | 72.8%-29.6pp | 76.5%-33.3pp | 68.1%-24.9pp |
| Annual return | 20.66% | 23.92%-3.3pp | 24.52%-3.9pp | 41.64%-21.0pp |
| Employer contribution / active EE | $707 | $2,318-69.5% | $2,954-76.1% | $2,551-72.3% |
| Participant deferral / active EE | $1,794 | $4,224-57.5% | $5,098-64.8% | $4,139-56.7% |
| Admin fee / account holder | $5,024 | $9,013-44.3% | $12,098-58.5% | $7,234-30.6% |