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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 | $106,864-30.5% | $147,318-49.6% | $82,637-10.2% |
| Participation rate | 44.0% | 75.5%-31.5pp | 82.1%-38.1pp | 68.1%-24.1pp |
| Annual return | 17.97% | 27.49%-9.5pp | 70.43%-52.5pp | 53.51%-35.5pp |
| Employer contribution / active EE | $917 | $3,417-73.2% | $4,593-80.0% | $2,552-64.1% |
| Participant deferral / active EE | $1,170 | $6,496-82.0% | $7,906-85.2% | $4,126-71.6% |
| Admin fee / account holder | $455 | $8,415-94.6% | $13,708-96.7% | $7,339-93.8% |