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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 | $168,416 | $91,120+84.8% | $161,149+4.5% | $64,097+162.8% |
| Participation rate | 21.2% | 62.2%-41.0pp | 78.8%-57.6pp | 55.2%-34.0pp |
| Annual return | 15.27% | 17.95%-2.7pp | 21.16%-5.9pp | 34.64%-19.4pp |
| Employer contribution / active EE | $715 | $2,284-68.7% | $4,360-83.6% | $1,891-62.2% |
| Participant deferral / active EE | $1,483 | $3,708-60.0% | $6,153-75.9% | $3,080-51.8% |
| Admin fee / account holder | $6,124 | $4,535+35.0% | $15,194-59.7% | $3,454+77.3% |