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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 | $98,388 | $78,428+25.4% | $95,960+2.5% | $79,852+23.2% |
| Participation rate | 38.9% | 73.5%-34.6pp | 77.1%-38.2pp | 69.6%-30.7pp |
| Annual return | 15.99% | 19.37%-3.4pp | 91.63%-75.6pp | 31.72%-15.7pp |
| Employer contribution / active EE | $662 | $1,945-66.0% | $2,541-73.9% | $2,471-73.2% |
| Participant deferral / active EE | $1,207 | $3,440-64.9% | $4,167-71.0% | $3,740-67.7% |
| Admin fee / account holder | $13,005 | $5,622+131.3% | $6,797+91.3% | $5,306+145.1% |