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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 | $182,633 | $81,403+124.4% | $147,027+24.2% | $87,485+108.8% |
| Participation rate | 25.6% | 63.4%-37.8pp | 73.7%-48.1pp | 68.9%-43.3pp |
| Annual return | 14.21% | 16.51%-2.3pp | 20.23%-6.0pp | 26.06%-11.8pp |
| Employer contribution / active EE | $535 | $2,205-75.7% | $3,626-85.2% | $2,596-79.4% |
| Participant deferral / active EE | $786 | $3,315-76.3% | $4,933-84.1% | $4,274-81.6% |
| Admin fee / account holder | $4,005 | $6,755-40.7% | $12,223-67.2% | $7,775-48.5% |