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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 | $81,665 | $69,590+17.4% | $136,867-40.3% | $94,015-13.1% |
| Participation rate | 23.3% | 66.3%-43.0pp | 74.5%-51.2pp | 70.8%-47.5pp |
| Annual return | 14.59% | 19.62%-5.0pp | 42.97%-28.4pp | 17.84%-3.3pp |
| Employer contribution / active EE | $423 | $2,396-82.4% | $3,547-88.1% | $2,790-84.8% |
| Participant deferral / active EE | $852 | $3,437-75.2% | $4,924-82.7% | $4,249-79.9% |
| Admin fee / account holder | $33,957 | $8,912+281.0% | $10,340+228.4% | $8,951+279.4% |