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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 | $228,192 | $69,444+228.6% | $92,985+145.4% | $87,485+160.8% |
| Participation rate | 22.9% | 63.3%-40.4pp | 69.5%-46.6pp | 68.9%-46.0pp |
| Annual return | 12.90% | 23.85%-11.0pp | 27.99%-15.1pp | 26.06%-13.2pp |
| Employer contribution / active EE | $744 | $1,917-61.2% | $2,662-72.0% | $2,596-71.3% |
| Participant deferral / active EE | $940 | $3,364-72.0% | $4,377-78.5% | $4,274-78.0% |
| Admin fee / account holder | $5,585 | $6,137-9.0% | $9,463-41.0% | $7,775-28.2% |