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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 | $93,203 | $91,559+1.8% | $133,971-30.4% | $79,852+16.7% |
| Participation rate | 40.0% | 73.3%-33.3pp | 79.8%-39.8pp | 69.6%-29.6pp |
| Annual return | 11.92% | 61.85%-49.9pp | 45.09%-33.2pp | 31.72%-19.8pp |
| Employer contribution / active EE | $640 | $2,384-73.2% | $3,919-83.7% | $2,471-74.1% |
| Participant deferral / active EE | $868 | $3,734-76.8% | $5,047-82.8% | $3,740-76.8% |
| Admin fee / account holder | $1,507 | $6,321-76.2% | $8,929-83.1% | $5,306-71.6% |