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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 | $41,006 | $64,909-36.8% | $82,312-50.2% | $62,293-34.2% |
| Participation rate | 64.1% | 74.9%-10.7pp | 76.9%-12.8pp | 69.5%-5.4pp |
| Annual return | 16.84% | 21.18%-4.3pp | 25.88%-9.0pp | 28.90%-12.1pp |
| Employer contribution / active EE | $463 | $1,676-72.4% | $2,428-80.9% | $2,042-77.3% |
| Participant deferral / active EE | $1,227 | $3,103-60.5% | $3,706-66.9% | $3,169-61.3% |
| Admin fee / account holder | $1,882 | $440+328.1% | $5,608-66.4% | $479+292.6% |