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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 | $171,681 | $77,492+121.5% | $100,398+71.0% | $80,911+112.2% |
| Participation rate | 38.5% | 76.9%-38.5pp | 81.5%-43.0pp | 67.6%-29.2pp |
| Annual return | 12.56% | 37.23%-24.7pp | 49.32%-36.8pp | 35.63%-23.1pp |
| Employer contribution / active EE | $1,956 | $2,800-30.1% | $3,946-50.4% | $2,756-29.0% |
| Participant deferral / active EE | $2,612 | $6,817-61.7% | $8,084-67.7% | $4,297-39.2% |
| Admin fee / account holder | $14,075 | $5,892+138.9% | $7,893+78.3% | $6,935+103.0% |