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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 | $78,628 | $81,504-3.5% | $102,437-23.2% | $80,959-2.9% |
| Participation rate | 44.1% | 66.9%-22.7pp | 74.5%-30.4pp | 67.7%-23.6pp |
| Annual return | 10.71% | 25.60%-14.9pp | 24.95%-14.2pp | 35.67%-25.0pp |
| Employer contribution / active EE | $1,599 | $3,104-48.5% | $3,871-58.7% | $2,757-42.0% |
| Participant deferral / active EE | $984 | $3,871-74.6% | $5,060-80.6% | $4,300-77.1% |
| Admin fee / account holder | $4,752 | $6,719-29.3% | $8,388-43.4% | $6,925-31.4% |