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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 | $76,451 | $74,535+2.6% | $100,712-24.1% | $82,637-7.5% |
| Participation rate | 22.4% | 61.2%-38.8pp | 69.3%-46.9pp | 68.1%-45.7pp |
| Annual return | 12.63% | 18.92%-6.3pp | 33.27%-20.6pp | 53.51%-40.9pp |
| Employer contribution / active EE | $603 | $1,503-59.9% | $2,313-73.9% | $2,552-76.4% |
| Participant deferral / active EE | $829 | $3,074-73.0% | $4,085-79.7% | $4,126-79.9% |
| Admin fee / account holder | $1,513 | $6,576-77.0% | $9,256-83.7% | $7,339-79.4% |