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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 | $77,371 | $76,834+0.7% | $108,359-28.6% | $87,485-11.6% |
| Participation rate | 26.1% | 61.7%-35.6pp | 70.1%-44.0pp | 68.9%-42.8pp |
| Annual return | 13.79% | 19.09%-5.3pp | 36.89%-23.1pp | 26.06%-12.3pp |
| Employer contribution / active EE | $337 | $1,556-78.3% | $2,399-85.9% | $2,596-87.0% |
| Participant deferral / active EE | $775 | $3,100-75.0% | $4,137-81.3% | $4,274-81.9% |
| Admin fee / account holder | $5,398 | $6,537-17.4% | $9,741-44.6% | $7,775-30.6% |