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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 | $43,848 | $72,492-39.5% | $87,104-49.7% | $72,975-39.9% |
| Participation rate | 48.5% | 72.8%-24.3pp | 76.9%-28.4pp | 69.5%-21.0pp |
| Annual return | 16.41% | 24.46%-8.1pp | 28.19%-11.8pp | 81.01%-64.6pp |
| Employer contribution / active EE | $544 | $1,894-71.3% | $2,521-78.4% | $2,440-77.7% |
| Participant deferral / active EE | $778 | $3,270-76.2% | $4,048-80.8% | $3,608-78.4% |
| Admin fee / account holder | $2,086 | $5,055-58.7% | $7,491-72.2% | $5,124-59.3% |