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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 | $40,714 | $76,112-46.5% | $96,534-57.8% | $71,511-43.1% |
| Participation rate | 29.0% | 74.4%-45.4pp | 76.0%-47.0pp | 67.9%-38.9pp |
| Annual return | 18.39% | 22.81%-4.4pp | 25.88%-7.5pp | 28.86%-10.5pp |
| Employer contribution / active EE | $819 | $2,248-63.6% | $2,965-72.4% | $2,589-68.4% |
| Participant deferral / active EE | $1,971 | $4,217-53.2% | $4,851-59.4% | $4,291-54.1% |
| Admin fee / account holder | $3,203 | $2,708+18.3% | $8,253-61.2% | $1,588+101.7% |