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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 | $85,913 | $94,031-8.6% | $115,768-25.8% | $82,448+4.2% |
| Participation rate | 27.3% | 70.4%-43.1pp | 74.4%-47.1pp | 68.1%-40.8pp |
| Annual return | 14.07% | 20.61%-6.5pp | 100.46%-86.4pp | 41.64%-27.6pp |
| Employer contribution / active EE | $769 | $2,323-66.9% | $2,940-73.8% | $2,551-69.8% |
| Participant deferral / active EE | $1,602 | $3,972-59.7% | $4,917-67.4% | $4,139-61.3% |
| Admin fee / account holder | $7,639 | $10,249-25.5% | $12,439-38.6% | $7,234+5.6% |