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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 | $90,544 | $72,272+25.3% | $101,264-10.6% | $79,858+13.4% |
| Participation rate | 38.5% | 68.5%-30.0pp | 75.8%-37.3pp | 69.6%-31.2pp |
| Annual return | 14.80% | 22.30%-7.5pp | 46.48%-31.7pp | 31.72%-16.9pp |
| Employer contribution / active EE | $626 | $2,692-76.7% | $3,660-82.9% | $2,471-74.6% |
| Participant deferral / active EE | $1,222 | $3,282-62.8% | $4,370-72.0% | $3,740-67.3% |
| Admin fee / account holder | $3,045 | $4,401-30.8% | $5,947-48.8% | $5,306-42.6% |