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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 | $123,069 | $106,864+15.2% | $147,318-16.5% | $82,637+48.9% |
| Participation rate | 40.6% | 75.5%-34.9pp | 82.1%-41.4pp | 68.1%-27.4pp |
| Annual return | 14.69% | 27.49%-12.8pp | 70.43%-55.7pp | 53.51%-38.8pp |
| Employer contribution / active EE | $1,209 | $3,417-64.6% | $4,593-73.7% | $2,552-52.6% |
| Participant deferral / active EE | $1,975 | $6,496-69.6% | $7,906-75.0% | $4,126-52.1% |
| Admin fee / account holder | $5,645 | $8,415-32.9% | $13,708-58.8% | $7,339-23.1% |