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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 | $81,329 | $83,369-2.4% | $105,223-22.7% | $67,986+19.6% |
| Participation rate | 18.5% | 56.3%-37.8pp | 75.0%-56.5pp | 57.2%-38.7pp |
| Annual return | 14.75% | 24.64%-9.9pp | 180.65%-165.9pp | 31.67%-16.9pp |
| Employer contribution / active EE | $874 | $2,541-65.6% | $3,689-76.3% | $2,019-56.7% |
| Participant deferral / active EE | $1,313 | $3,295-60.2% | $5,072-74.1% | $3,358-60.9% |
| Admin fee / account holder | $4,798 | $4,073+17.8% | $8,859-45.8% | $3,203+49.8% |