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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 | $68,514 | $52,279+31.1% | $89,414-23.4% | $79,852-14.2% |
| Participation rate | 48.3% | 57.5%-9.3pp | 68.0%-19.7pp | 69.6%-21.4pp |
| Annual return | 16.43% | 22.16%-5.7pp | 245.50%-229.1pp | 31.72%-15.3pp |
| Employer contribution / active EE | $270 | $1,572-82.8% | $2,586-89.6% | $2,471-89.1% |
| Participant deferral / active EE | $772 | $2,740-71.8% | $3,890-80.2% | $3,740-79.4% |
| Admin fee / account holder | $3,530 | $3,356+5.2% | $4,883-27.7% | $5,306-33.5% |