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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 | $91,484 | $81,487+12.3% | $102,412-10.7% | $80,935+13.0% |
| Participation rate | 25.0% | 66.8%-41.8pp | 74.5%-49.5pp | 67.7%-42.7pp |
| Annual return | 13.36% | 25.60%-12.2pp | 24.94%-11.6pp | 35.66%-22.3pp |
| Employer contribution / active EE | $945 | $3,103-69.5% | $3,870-75.6% | $2,757-65.7% |
| Participant deferral / active EE | $1,581 | $3,871-59.2% | $5,060-68.8% | $4,299-63.2% |
| Admin fee / account holder | $1,981 | $6,717-70.5% | $8,388-76.4% | $6,924-71.4% |