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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 | $63,604 | $86,938-26.8% | $102,423-37.9% | $80,925-21.4% |
| Participation rate | 46.2% | 72.4%-26.2pp | 76.5%-30.3pp | 67.7%-21.5pp |
| Annual return | 11.22% | 18.89%-7.7pp | 29.42%-18.2pp | 35.65%-24.4pp |
| Employer contribution / active EE | $1,072 | $2,369-54.8% | $3,023-64.5% | $2,756-61.1% |
| Participant deferral / active EE | $1,153 | $4,120-72.0% | $5,054-77.2% | $4,299-73.2% |
| Admin fee / account holder | $2,387 | $8,053-70.4% | $9,455-74.7% | $6,940-65.6% |