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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 | $36,567 | $56,894-35.7% | $84,753-56.9% | $62,881-41.8% |
| Participation rate | 39.0% | 68.5%-29.6pp | 76.6%-37.6pp | 69.3%-30.3pp |
| Annual return | 7.35% | 6.30%+1.0pp | 22.78%-15.4pp | 20.14%-12.8pp |
| Employer contribution / active EE | $471 | $2,400-80.4% | $3,574-86.8% | $2,281-79.4% |
| Participant deferral / active EE | $798 | $2,709-70.6% | $3,712-78.5% | $3,203-75.1% |
| Admin fee / account holder | $1,964 | $3,581-45.1% | $5,333-63.2% | $4,296-54.3% |