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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 | $106,749-27.7% | $145,433-46.9% | $82,448-6.3% |
| Participation rate | 41.0% | 75.6%-34.6pp | 82.1%-41.1pp | 68.1%-27.0pp |
| Annual return | 14.84% | 27.59%-12.7pp | 66.58%-51.7pp | 41.64%-26.8pp |
| Employer contribution / active EE | $1,578 | $3,444-54.2% | $4,554-65.4% | $2,551-38.2% |
| Participant deferral / active EE | $2,286 | $6,519-64.9% | $7,897-71.1% | $4,139-44.8% |
| Admin fee / account holder | $11,237 | $8,390+33.9% | $13,129-14.4% | $7,234+55.3% |