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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 | $101,606 | $41,377+145.6% | $109,313-7.1% | $62,881+61.6% |
| Participation rate | 44.7% | 57.5%-12.9pp | 71.3%-26.6pp | 69.3%-24.6pp |
| Annual return | 6.10% | 11.05%-4.9pp | 22.07%-16.0pp | 20.14%-14.0pp |
| Employer contribution / active EE | $717 | $1,276-43.8% | $3,892-81.6% | $2,281-68.6% |
| Participant deferral / active EE | $560 | $2,045-72.6% | $3,166-82.3% | $3,203-82.5% |
| Admin fee / account holder | $2,430 | $2,884-15.7% | $5,666-57.1% | $4,296-43.4% |