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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 | $235,438 | $77,472+203.9% | $100,392+134.5% | $80,935+190.9% |
| Participation rate | 40.6% | 76.9%-36.3pp | 81.5%-40.9pp | 67.7%-27.0pp |
| Annual return | 14.84% | 37.26%-22.4pp | 49.45%-34.6pp | 35.66%-20.8pp |
| Employer contribution / active EE | $354 | $2,800-87.4% | $3,941-91.0% | $2,757-87.2% |
| Participant deferral / active EE | $2,348 | $6,818-65.6% | $8,090-71.0% | $4,299-45.4% |
| Admin fee / account holder | $33,914 | $5,885+476.3% | $7,904+329.1% | $6,924+389.8% |