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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 | $58,526 | $91,760-36.2% | $156,181-62.5% | $67,986-13.9% |
| Participation rate | 27.3% | 65.0%-37.7pp | 78.8%-51.6pp | 57.2%-29.9pp |
| Annual return | 15.69% | 18.14%-2.4pp | 64.87%-49.2pp | 31.67%-16.0pp |
| Employer contribution / active EE | $765 | $2,419-68.4% | $4,294-82.2% | $2,019-62.1% |
| Participant deferral / active EE | $1,603 | $3,960-59.5% | $6,132-73.9% | $3,358-52.3% |
| Admin fee / account holder | $7,158 | $3,949+81.3% | $14,586-50.9% | $3,203+123.5% |