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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 | $74,751 | $60,488+23.6% | $109,907-32.0% | $79,391-5.8% |
| Participation rate | 25.0% | 67.0%-42.0pp | 74.2%-49.2pp | 70.7%-45.7pp |
| Annual return | 14.31% | 189.57%-175.3pp | 29.46%-15.2pp | 116.88%-102.6pp |
| Employer contribution / active EE | $637 | $1,649-61.4% | $2,844-77.6% | $2,428-73.8% |
| Participant deferral / active EE | $1,286 | $3,220-60.1% | $4,047-68.2% | $4,046-68.2% |
| Admin fee / account holder | $869 | $605+43.8% | $6,069-85.7% | $627+38.7% |