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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 | $76,025 | $95,453-20.4% | $112,040-32.1% | $82,448-7.8% |
| Participation rate | 47.9% | 72.8%-24.8pp | 76.5%-28.6pp | 68.1%-20.2pp |
| Annual return | 15.99% | 23.92%-7.9pp | 24.52%-8.5pp | 41.64%-25.6pp |
| Employer contribution / active EE | $1,209 | $2,318-47.8% | $2,954-59.1% | $2,551-52.6% |
| Participant deferral / active EE | $1,859 | $4,224-56.0% | $5,098-63.5% | $4,139-55.1% |
| Admin fee / account holder | $9,897 | $9,013+9.8% | $12,098-18.2% | $7,234+36.8% |