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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 | $42,865 | $51,466-16.7% | $78,778-45.6% | $62,293-31.2% |
| Participation rate | 39.8% | 59.8%-20.0pp | 69.2%-29.4pp | 69.5%-29.7pp |
| Annual return | 17.33% | 19.96%-2.6pp | 35.62%-18.3pp | 28.90%-11.6pp |
| Employer contribution / active EE | $542 | $827-34.5% | $1,986-72.7% | $2,042-73.5% |
| Participant deferral / active EE | $897 | $2,147-58.2% | $2,958-69.7% | $3,169-71.7% |
| Admin fee / account holder | $3,422 | $489+599.3% | $5,134-33.3% | $479+613.9% |