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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 | $42,044 | $80,855-48.0% | $153,416-72.6% | $86,983-51.7% |
| Participation rate | 46.9% | 64.1%-17.3pp | 74.3%-27.5pp | 69.5%-22.7pp |
| Annual return | 11.21% | 16.18%-5.0pp | 17.84%-6.6pp | 25.83%-14.6pp |
| Employer contribution / active EE | $1,609 | $2,308-30.3% | $3,764-57.3% | $2,584-37.8% |
| Participant deferral / active EE | $750 | $3,333-77.5% | $4,723-84.1% | $4,194-82.1% |
| Admin fee / account holder | $5,409 | $6,908-21.7% | $13,095-58.7% | $7,856-31.1% |