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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 | $74,239 | $106,749-30.5% | $145,433-49.0% | $82,448-10.0% |
| Participation rate | 44.0% | 75.6%-31.6pp | 82.1%-38.1pp | 68.1%-24.1pp |
| Annual return | 17.97% | 27.59%-9.6pp | 66.58%-48.6pp | 41.64%-23.7pp |
| Employer contribution / active EE | $917 | $3,444-73.4% | $4,554-79.9% | $2,551-64.0% |
| Participant deferral / active EE | $1,170 | $6,519-82.0% | $7,897-85.2% | $4,139-71.7% |
| Admin fee / account holder | $455 | $8,390-94.6% | $13,129-96.5% | $7,234-93.7% |