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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 | $74,406 | $77,472-4.0% | $100,392-25.9% | $80,935-8.1% |
| Participation rate | 31.1% | 76.9%-45.8pp | 81.5%-50.4pp | 67.7%-36.6pp |
| Annual return | 15.96% | 37.26%-21.3pp | 49.45%-33.5pp | 35.66%-19.7pp |
| Employer contribution / active EE | $627 | $2,800-77.6% | $3,941-84.1% | $2,757-77.3% |
| Participant deferral / active EE | $2,299 | $6,818-66.3% | $8,090-71.6% | $4,299-46.5% |
| Admin fee / account holder | $434 | $5,885-92.6% | $7,904-94.5% | $6,924-93.7% |