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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 | $78,726 | $78,428+0.4% | $95,960-18.0% | $79,852-1.4% |
| Participation rate | 42.9% | 73.5%-30.6pp | 77.1%-34.2pp | 69.6%-26.8pp |
| Annual return | 13.13% | 19.37%-6.2pp | 91.63%-78.5pp | 31.72%-18.6pp |
| Employer contribution / active EE | $983 | $1,945-49.5% | $2,541-61.3% | $2,471-60.2% |
| Participant deferral / active EE | $706 | $3,440-79.5% | $4,167-83.1% | $3,740-81.1% |
| Admin fee / account holder | $7,676 | $5,622+36.5% | $6,797+12.9% | $5,306+44.7% |