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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 | $48,472 | $97,698-50.4% | $126,068-61.6% | $69,733-30.5% |
| Participation rate | 18.5% | 77.5%-59.0pp | 84.7%-66.2pp | 62.5%-44.0pp |
| Annual return | 14.22% | 22.88%-8.7pp | 15.01%-0.8pp | 15.22%-1.0pp |
| Employer contribution / active EE | $690 | $2,577-73.2% | $3,968-82.6% | $2,250-69.3% |
| Participant deferral / active EE | $1,227 | $6,095-79.9% | $8,214-85.1% | $3,054-59.8% |
| Admin fee / account holder | $2,898 | $2,980-2.8% | $18,264-84.1% | $3,102-6.6% |