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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 | $85,819 | $58,848+45.8% | $88,179-2.7% | $82,637+3.8% |
| Participation rate | 12.0% | 57.9%-45.9pp | 69.1%-57.1pp | 68.1%-56.1pp |
| Annual return | 16.22% | 22.76%-6.5pp | 64.97%-48.7pp | 53.51%-37.3pp |
| Employer contribution / active EE | $321 | $1,678-80.9% | $2,549-87.4% | $2,552-87.4% |
| Participant deferral / active EE | $746 | $3,124-76.1% | $4,614-83.8% | $4,126-81.9% |
| Admin fee / account holder | $5,617 | $4,795+17.1% | $7,673-26.8% | $7,339-23.5% |