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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 | $44,718 | $53,774-16.8% | $134,162-66.7% | $79,852-44.0% |
| Participation rate | 42.9% | 58.8%-15.9pp | 72.2%-29.3pp | 69.6%-26.8pp |
| Annual return | 22.98% | 19.01%+4.0pp | 36.35%-13.4pp | 31.72%-8.7pp |
| Employer contribution / active EE | $316 | $1,322-76.1% | $3,705-91.5% | $2,471-87.2% |
| Participant deferral / active EE | $854 | $2,420-64.7% | $3,500-75.6% | $3,740-77.2% |
| Admin fee / account holder | $2,880 | $3,985-27.7% | $6,685-56.9% | $5,306-45.7% |