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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 | $75,199 | $73,787+1.9% | $98,716-23.8% | $82,448-8.8% |
| Participation rate | 37.0% | 61.4%-24.4pp | 69.3%-32.3pp | 68.1%-31.0pp |
| Annual return | 13.34% | 18.57%-5.2pp | 31.81%-18.5pp | 41.64%-28.3pp |
| Employer contribution / active EE | $569 | $1,511-62.4% | $2,279-75.0% | $2,551-77.7% |
| Participant deferral / active EE | $802 | $3,081-74.0% | $4,048-80.2% | $4,139-80.6% |
| Admin fee / account holder | $3,789 | $6,500-41.7% | $8,703-56.5% | $7,234-47.6% |