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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 | $78,904 | $106,864-26.2% | $147,318-46.4% | $82,637-4.5% |
| Participation rate | 28.8% | 75.5%-46.7pp | 82.1%-53.3pp | 68.1%-39.3pp |
| Annual return | 17.68% | 27.49%-9.8pp | 70.43%-52.7pp | 53.51%-35.8pp |
| Employer contribution / active EE | $921 | $3,417-73.0% | $4,593-79.9% | $2,552-63.9% |
| Participant deferral / active EE | $1,216 | $6,496-81.3% | $7,906-84.6% | $4,126-70.5% |
| Admin fee / account holder | $2,492 | $8,415-70.4% | $13,708-81.8% | $7,339-66.0% |