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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 | $90,434 | $106,749-15.3% | $145,433-37.8% | $82,448+9.7% |
| Participation rate | 19.1% | 75.6%-56.5pp | 82.1%-63.0pp | 68.1%-48.9pp |
| Annual return | 16.04% | 27.59%-11.5pp | 66.58%-50.5pp | 41.64%-25.6pp |
| Employer contribution / active EE | $676 | $3,444-80.4% | $4,554-85.2% | $2,551-73.5% |
| Participant deferral / active EE | $1,497 | $6,519-77.0% | $7,897-81.0% | $4,139-63.8% |
| Admin fee / account holder | $2,719 | $8,390-67.6% | $13,129-79.3% | $7,234-62.4% |