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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 | $76,826 | $98,776-22.2% | $149,745-48.7% | $79,856-3.8% |
| Participation rate | 42.0% | 75.8%-33.8pp | 82.5%-40.5pp | 69.6%-27.6pp |
| Annual return | 17.31% | 27.38%-10.1pp | 276.72%-259.4pp | 31.71%-14.4pp |
| Employer contribution / active EE | $2,925 | $3,217-9.1% | $4,646-37.0% | $2,471+18.3% |
| Participant deferral / active EE | $1,857 | $5,681-67.3% | $6,843-72.9% | $3,741-50.3% |
| Admin fee / account holder | $741 | $6,053-87.8% | $9,312-92.0% | $5,306-86.0% |