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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 | $106,524-27.5% | $152,301-49.3% | $87,485-11.7% |
| Participation rate | 41.0% | 75.8%-34.7pp | 82.4%-41.4pp | 68.9%-27.9pp |
| Annual return | 14.84% | 26.89%-12.0pp | 80.50%-65.7pp | 26.06%-11.2pp |
| Employer contribution / active EE | $1,578 | $3,371-53.2% | $4,624-65.9% | $2,596-39.2% |
| Participant deferral / active EE | $2,286 | $6,525-65.0% | $8,004-71.4% | $4,274-46.5% |
| Admin fee / account holder | $11,237 | $8,287+35.6% | $14,398-22.0% | $7,775+44.5% |