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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 | $72,114 | $70,486+2.3% | $100,535-28.3% | $79,856-9.7% |
| Participation rate | 51.1% | 73.6%-22.5pp | 79.4%-28.3pp | 69.6%-18.5pp |
| Annual return | 13.49% | 21.90%-8.4pp | 30.90%-17.4pp | 31.71%-18.2pp |
| Employer contribution / active EE | $1,385 | $2,165-36.0% | $3,419-59.5% | $2,471-43.9% |
| Participant deferral / active EE | $1,911 | $5,182-63.1% | $6,271-69.5% | $3,741-48.9% |
| Admin fee / account holder | $8,020 | $4,480+79.0% | $8,085-0.8% | $5,306+51.1% |