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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 | $87,118 | $108,825-19.9% | $156,181-44.2% | $82,448+5.7% |
| Participation rate | 51.9% | 72.4%-20.5pp | 78.8%-27.0pp | 68.1%-16.2pp |
| Annual return | 14.41% | 20.59%-6.2pp | 64.87%-50.5pp | 41.64%-27.2pp |
| Employer contribution / active EE | $1,404 | $2,870-51.1% | $4,294-67.3% | $2,551-45.0% |
| Participant deferral / active EE | $1,807 | $4,577-60.5% | $6,132-70.5% | $4,139-56.3% |
| Admin fee / account holder | $2,541 | $9,341-72.8% | $14,586-82.6% | $7,234-64.9% |