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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 | $83,866 | $100,194-16.3% | $122,979-31.8% | $86,983-3.6% |
| Participation rate | 60.0% | 73.0%-13.0pp | 77.2%-17.2pp | 69.5%-9.5pp |
| Annual return | 18.25% | 16.47%+1.8pp | 20.12%-1.9pp | 25.83%-7.6pp |
| Employer contribution / active EE | $1,271 | $2,326-45.4% | $3,062-58.5% | $2,584-50.8% |
| Participant deferral / active EE | $1,414 | $4,133-65.8% | $5,003-71.7% | $4,194-66.3% |
| Admin fee / account holder | $640 | $10,148-93.7% | $12,864-95.0% | $7,856-91.9% |