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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 | $92,917 | $89,259+4.1% | $107,187-13.3% | $82,637+12.4% |
| Participation rate | 31.5% | 67.9%-36.4pp | 75.0%-43.5pp | 68.1%-36.5pp |
| Annual return | 12.93% | 21.02%-8.1pp | 204.55%-191.6pp | 53.51%-40.6pp |
| Employer contribution / active EE | $865 | $3,080-71.9% | $3,782-77.1% | $2,552-66.1% |
| Participant deferral / active EE | $1,113 | $4,037-72.4% | $5,096-78.2% | $4,126-73.0% |
| Admin fee / account holder | $3,172 | $7,381-57.0% | $9,162-65.4% | $7,339-56.8% |