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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 | $39,594 | $76,834-48.5% | $108,359-63.5% | $87,485-54.7% |
| Participation rate | 39.0% | 61.7%-22.7pp | 70.1%-31.1pp | 68.9%-29.9pp |
| Annual return | 17.38% | 19.09%-1.7pp | 36.89%-19.5pp | 26.06%-8.7pp |
| Employer contribution / active EE | $690 | $1,556-55.7% | $2,399-71.2% | $2,596-73.4% |
| Participant deferral / active EE | $1,068 | $3,100-65.5% | $4,137-74.2% | $4,274-75.0% |
| Admin fee / account holder | $1,375 | $6,537-79.0% | $9,741-85.9% | $7,775-82.3% |