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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 | $145,930 | $51,466+183.5% | $78,778+85.2% | $62,293+134.3% |
| Participation rate | 24.3% | 59.8%-35.5pp | 69.2%-44.9pp | 69.5%-45.2pp |
| Annual return | 14.55% | 19.96%-5.4pp | 35.62%-21.1pp | 28.90%-14.3pp |
| Employer contribution / active EE | $241 | $827-70.9% | $1,986-87.9% | $2,042-88.2% |
| Participant deferral / active EE | $595 | $2,147-72.3% | $2,958-79.9% | $3,169-81.2% |
| Admin fee / account holder | $2,319 | $489+373.9% | $5,134-54.8% | $479+383.8% |