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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 | $77,370 | $76,834+0.7% | $108,359-28.6% | $87,485-11.6% |
| Participation rate | 46.8% | 61.7%-14.9pp | 70.1%-23.3pp | 68.9%-22.1pp |
| Annual return | 12.04% | 19.09%-7.0pp | 36.89%-24.9pp | 26.06%-14.0pp |
| Employer contribution / active EE | $442 | $1,556-71.6% | $2,399-81.6% | $2,596-83.0% |
| Participant deferral / active EE | $1,108 | $3,100-64.2% | $4,137-73.2% | $4,274-74.1% |
| Admin fee / account holder | $4,202 | $6,537-35.7% | $9,741-56.9% | $7,775-46.0% |