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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 | $48,311 | $106,749-54.7% | $145,433-66.8% | $82,448-41.4% |
| Participation rate | 45.8% | 75.6%-29.8pp | 82.1%-36.3pp | 68.1%-22.2pp |
| Annual return | 19.05% | 27.59%-8.5pp | 66.58%-47.5pp | 41.64%-22.6pp |
| Employer contribution / active EE | $1,560 | $3,444-54.7% | $4,554-65.7% | $2,551-38.8% |
| Participant deferral / active EE | $2,292 | $6,519-64.8% | $7,897-71.0% | $4,139-44.6% |
| Admin fee / account holder | $4,289 | $8,390-48.9% | $13,129-67.3% | $7,234-40.7% |