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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 | $93,349 | $100,194-6.8% | $122,979-24.1% | $86,983+7.3% |
| Participation rate | 61.0% | 73.0%-12.0pp | 77.2%-16.2pp | 69.5%-8.6pp |
| Annual return | 15.67% | 16.47%-0.8pp | 20.12%-4.4pp | 25.83%-10.2pp |
| Employer contribution / active EE | $1,752 | $2,326-24.7% | $3,062-42.8% | $2,584-32.2% |
| Participant deferral / active EE | $1,792 | $4,133-56.6% | $5,003-64.2% | $4,194-57.3% |
| Admin fee / account holder | $5,753 | $10,148-43.3% | $12,864-55.3% | $7,856-26.8% |