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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 | $159,008 | $52,306+204.0% | $69,779+127.9% | $62,881+152.9% |
| Participation rate | 18.9% | 67.2%-48.4pp | 71.8%-53.0pp | 69.3%-50.4pp |
| Annual return | 8.75% | 13.35%-4.6pp | 12.99%-4.2pp | 20.14%-11.4pp |
| Employer contribution / active EE | $575 | $1,799-68.0% | $2,338-75.4% | $2,281-74.8% |
| Participant deferral / active EE | $846 | $2,395-64.7% | $2,931-71.1% | $3,203-73.6% |
| Admin fee / account holder | $7,087 | $3,691+92.0% | $4,381+61.8% | $4,296+65.0% |