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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 | $45,348 | $81,476-44.3% | $102,383-55.7% | $80,925-44.0% |
| Participation rate | 34.5% | 66.8%-32.4pp | 74.5%-40.0pp | 67.7%-33.2pp |
| Annual return | 13.98% | 25.59%-11.6pp | 24.94%-11.0pp | 35.65%-21.7pp |
| Employer contribution / active EE | $899 | $3,105-71.0% | $3,870-76.8% | $2,756-67.4% |
| Participant deferral / active EE | $1,006 | $3,871-74.0% | $5,060-80.1% | $4,299-76.6% |
| Admin fee / account holder | $746 | $6,717-88.9% | $8,391-91.1% | $6,940-89.2% |