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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 | $55,358 | $81,487-32.1% | $102,412-45.9% | $80,935-31.6% |
| Participation rate | 31.0% | 66.8%-35.8pp | 74.5%-43.5pp | 67.7%-36.6pp |
| Annual return | 20.64% | 25.60%-5.0pp | 24.94%-4.3pp | 35.66%-15.0pp |
| Employer contribution / active EE | $2,189 | $3,103-29.5% | $3,870-43.4% | $2,757-20.6% |
| Participant deferral / active EE | $1,154 | $3,871-70.2% | $5,060-77.2% | $4,299-73.2% |
| Admin fee / account holder | $10,301 | $6,717+53.4% | $8,388+22.8% | $6,924+48.8% |