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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 | $66,277 | $77,472-14.5% | $100,415-34.0% | $80,959-18.1% |
| Participation rate | 38.4% | 76.9%-38.6pp | 81.5%-43.2pp | 67.7%-29.3pp |
| Annual return | 14.50% | 37.26%-22.8pp | 49.47%-35.0pp | 35.67%-21.2pp |
| Employer contribution / active EE | $894 | $2,800-68.1% | $3,943-77.3% | $2,757-67.6% |
| Participant deferral / active EE | $2,236 | $6,818-67.2% | $8,091-72.4% | $4,300-48.0% |
| Admin fee / account holder | $857 | $5,885-85.4% | $7,906-89.2% | $6,925-87.6% |