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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 | $102,852 | $106,588-3.5% | $94,215+9.2% | $155,188-33.7% |
| Participation rate | 45.5% | 74.3%-28.8pp | 70.0%-24.5pp | 80.8%-35.3pp |
| Annual return | 13.70% | 29.39%-15.7pp | 28.22%-14.5pp | 148.84%-135.1pp |
| Employer contribution / active EE | $883 | $3,080-71.3% | $2,675-67.0% | $4,248-79.2% |
| Participant deferral / active EE | $924 | $4,802-80.8% | $4,276-78.4% | $6,531-85.9% |
| Admin fee / account holder | $15,739 | $12,281+28.2% | $10,216+54.1% | $14,480+8.7% |