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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 | $39,197 | $86,949-54.9% | $102,460-61.7% | $80,959-51.6% |
| Participation rate | 27.6% | 72.4%-44.8pp | 76.5%-48.9pp | 67.7%-40.1pp |
| Annual return | 12.99% | 18.89%-5.9pp | 29.47%-16.5pp | 35.67%-22.7pp |
| Employer contribution / active EE | $820 | $2,370-65.4% | $3,025-72.9% | $2,757-70.3% |
| Participant deferral / active EE | $1,835 | $4,121-55.5% | $5,056-63.7% | $4,300-57.3% |
| Admin fee / account holder | $4,326 | $8,048-46.2% | $9,460-54.3% | $6,925-37.5% |