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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 | $83,898-52.8% | $133,346-70.3% | $94,015-57.9% |
| Participation rate | 39.0% | 63.4%-24.3pp | 72.8%-33.8pp | 70.8%-31.8pp |
| Annual return | 17.38% | 16.00%+1.4pp | 36.85%-19.5pp | 17.84%-0.5pp |
| Employer contribution / active EE | $690 | $1,821-62.1% | $2,853-75.8% | $2,790-75.3% |
| Participant deferral / active EE | $1,068 | $3,245-67.1% | $4,332-75.3% | $4,249-74.9% |
| Admin fee / account holder | $1,375 | $7,809-82.4% | $14,264-90.4% | $8,951-84.6% |