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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 | $79,361 | $117,895-32.7% | $102,460-22.5% | $145,897-45.6% |
| Participation rate | 60.0% | 78.6%-18.6pp | 76.5%-16.5pp | 80.3%-20.3pp |
| Annual return | 20.28% | 31.92%-11.6pp | 29.47%-9.2pp | 552.29%-532.0pp |
| Employer contribution / active EE | $5,462 | $3,619+50.9% | $3,025+80.6% | $4,663+17.1% |
| Participant deferral / active EE | $1,440 | $5,736-74.9% | $5,056-71.5% | $6,689-78.5% |
| Admin fee / account holder | $388 | $13,353-97.1% | $9,460-95.9% | $13,390-97.1% |