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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 | $38,109 | $51,708-26.3% | $106,619-64.3% | $62,881-39.4% |
| Participation rate | 56.5% | 66.9%-10.4pp | 78.0%-21.5pp | 69.3%-12.8pp |
| Annual return | 8.97% | 4.69%+4.3pp | 9.42%-0.5pp | 20.14%-11.2pp |
| Employer contribution / active EE | $789 | $1,764-55.3% | $3,947-80.0% | $2,281-65.4% |
| Participant deferral / active EE | $904 | $2,315-60.9% | $3,930-77.0% | $3,203-71.8% |
| Admin fee / account holder | $908 | $3,349-72.9% | $6,418-85.9% | $4,296-78.9% |