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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 | $84,676 | $76,834+10.2% | $108,359-21.9% | $87,485-3.2% |
| Participation rate | 19.4% | 61.7%-42.3pp | 70.1%-50.7pp | 68.9%-49.5pp |
| Annual return | 17.60% | 19.09%-1.5pp | 36.89%-19.3pp | 26.06%-8.5pp |
| Employer contribution / active EE | $326 | $1,556-79.0% | $2,399-86.4% | $2,596-87.4% |
| Participant deferral / active EE | $643 | $3,100-79.2% | $4,137-84.4% | $4,274-84.9% |
| Admin fee / account holder | $1,426 | $6,537-78.2% | $9,741-85.4% | $7,775-81.7% |