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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 | $91,220 | $90,400+0.9% | $186,193-51.0% | $87,485+4.3% |
| Participation rate | 34.4% | 66.2%-31.8pp | 77.1%-42.7pp | 68.9%-34.6pp |
| Annual return | 14.41% | 22.15%-7.7pp | 78.03%-63.6pp | 26.06%-11.6pp |
| Employer contribution / active EE | $876 | $2,170-59.6% | $3,918-77.6% | $2,596-66.3% |
| Participant deferral / active EE | $1,416 | $4,330-67.3% | $6,513-78.3% | $4,274-66.9% |
| Admin fee / account holder | $7,929 | $8,673-8.6% | $11,058-28.3% | $7,775+2.0% |