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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 | $83,898-47.7% | $133,346-67.1% | $94,015-53.3% |
| Participation rate | 31.8% | 63.4%-31.5pp | 72.8%-41.0pp | 70.8%-39.0pp |
| Annual return | 18.95% | 16.00%+2.9pp | 36.85%-17.9pp | 17.84%+1.1pp |
| Employer contribution / active EE | $344 | $1,821-81.1% | $2,853-87.9% | $2,790-87.7% |
| Participant deferral / active EE | $1,196 | $3,245-63.1% | $4,332-72.4% | $4,249-71.8% |
| Admin fee / account holder | $2,102 | $7,809-73.1% | $14,264-85.3% | $8,951-76.5% |