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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 | $77,224 | $107,421-28.1% | $182,262-57.6% | $94,015-17.9% |
| Participation rate | 41.0% | 77.8%-36.8pp | 84.2%-43.2pp | 70.8%-29.8pp |
| Annual return | 14.84% | 21.32%-6.5pp | 140.60%-125.8pp | 17.84%-3.0pp |
| Employer contribution / active EE | $1,578 | $3,448-54.2% | $5,046-68.7% | $2,790-43.5% |
| Participant deferral / active EE | $2,286 | $6,558-65.1% | $8,276-72.4% | $4,249-46.2% |
| Admin fee / account holder | $11,237 | $8,692+29.3% | $16,712-32.8% | $8,951+25.5% |