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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 | $78,028 | $95,404-18.2% | $113,397-31.2% | $82,637-5.6% |
| Participation rate | 19.8% | 72.8%-53.0pp | 76.5%-56.7pp | 68.1%-48.3pp |
| Annual return | 18.93% | 19.08%-0.1pp | 23.20%-4.3pp | 53.51%-34.6pp |
| Employer contribution / active EE | $792 | $2,307-65.7% | $2,977-73.4% | $2,552-69.0% |
| Participant deferral / active EE | $1,581 | $4,220-62.5% | $5,076-68.9% | $4,126-61.7% |
| Admin fee / account holder | $11,870 | $9,168+29.5% | $11,957-0.7% | $7,339+61.7% |