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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 | $74,279 | $87,060-14.7% | $105,591-29.7% | $80,911-8.2% |
| Participation rate | 60.7% | 70.4%-9.7pp | 75.3%-14.6pp | 67.6%-6.9pp |
| Annual return | 21.87% | 17.05%+4.8pp | 116.43%-94.6pp | 35.63%-13.8pp |
| Employer contribution / active EE | $1,019 | $2,396-57.5% | $3,166-67.8% | $2,756-63.0% |
| Participant deferral / active EE | $1,345 | $3,986-66.3% | $5,008-73.1% | $4,297-68.7% |
| Admin fee / account holder | $9,169 | $8,442+8.6% | $11,024-16.8% | $6,935+32.2% |