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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 | $75,098 | $81,487-7.8% | $102,412-26.7% | $80,935-7.2% |
| Participation rate | 32.1% | 66.8%-34.7pp | 74.5%-42.4pp | 67.7%-35.5pp |
| Annual return | 10.90% | 25.60%-14.7pp | 24.94%-14.0pp | 35.66%-24.8pp |
| Employer contribution / active EE | $969 | $3,103-68.8% | $3,870-75.0% | $2,757-64.8% |
| Participant deferral / active EE | $1,199 | $3,871-69.0% | $5,060-76.3% | $4,299-72.1% |
| Admin fee / account holder | $3,268 | $6,717-51.4% | $8,388-61.0% | $6,924-52.8% |