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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 | $75,899 | $58,851+29.0% | $115,170-34.1% | $72,983+4.0% |
| Participation rate | 43.2% | 65.5%-22.4pp | 75.9%-32.7pp | 69.5%-26.3pp |
| Annual return | 21.85% | 23.16%-1.3pp | 35.60%-13.7pp | 81.01%-59.2pp |
| Employer contribution / active EE | $622 | $1,798-65.4% | $3,179-80.4% | $2,440-74.5% |
| Participant deferral / active EE | $693 | $2,643-73.8% | $4,169-83.4% | $3,608-80.8% |
| Admin fee / account holder | $8,017 | $6,370+25.9% | $7,089+13.1% | $5,124+56.5% |