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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 | $43,910 | $73,787-40.5% | $98,716-55.5% | $82,448-46.7% |
| Participation rate | 31.8% | 61.4%-29.6pp | 69.3%-37.5pp | 68.1%-36.2pp |
| Annual return | 18.95% | 18.57%+0.4pp | 31.81%-12.9pp | 41.64%-22.7pp |
| Employer contribution / active EE | $344 | $1,511-77.2% | $2,279-84.9% | $2,551-86.5% |
| Participant deferral / active EE | $1,196 | $3,081-61.2% | $4,048-70.4% | $4,139-71.1% |
| Admin fee / account holder | $2,102 | $6,500-67.7% | $8,703-75.8% | $7,234-70.9% |