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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 | $30,271 | $72,272-58.1% | $101,264-70.1% | $79,858-62.1% |
| Participation rate | 48.3% | 68.5%-20.2pp | 75.8%-27.5pp | 69.6%-21.4pp |
| Annual return | 12.64% | 22.30%-9.7pp | 46.48%-33.8pp | 31.72%-19.1pp |
| Employer contribution / active EE | $792 | $2,692-70.6% | $3,660-78.4% | $2,471-68.0% |
| Participant deferral / active EE | $1,199 | $3,282-63.5% | $4,370-72.6% | $3,740-67.9% |
| Admin fee / account holder | $7,704 | $4,401+75.1% | $5,947+29.5% | $5,306+45.2% |