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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 | $48,152 | $95,453-49.6% | $112,040-57.0% | $82,448-41.6% |
| Participation rate | 23.0% | 72.8%-49.8pp | 76.5%-53.5pp | 68.1%-45.1pp |
| Annual return | 18.44% | 23.92%-5.5pp | 24.52%-6.1pp | 41.64%-23.2pp |
| Employer contribution / active EE | $864 | $2,318-62.7% | $2,954-70.8% | $2,551-66.1% |
| Participant deferral / active EE | $1,505 | $4,224-64.4% | $5,098-70.5% | $4,139-63.6% |
| Admin fee / account holder | $8,400 | $9,013-6.8% | $12,098-30.6% | $7,234+16.1% |