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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 | $51,791 | $56,894-9.0% | $84,753-38.9% | $62,881-17.6% |
| Participation rate | 39.5% | 68.5%-29.0pp | 76.6%-37.1pp | 69.3%-29.8pp |
| Annual return | 4.90% | 6.30%-1.4pp | 22.78%-17.9pp | 20.14%-15.2pp |
| Employer contribution / active EE | $2,772 | $2,400+15.5% | $3,574-22.4% | $2,281+21.5% |
| Participant deferral / active EE | $470 | $2,709-82.7% | $3,712-87.3% | $3,203-85.3% |
| Admin fee / account holder | $5,960 | $3,581+66.4% | $5,333+11.7% | $4,296+38.7% |