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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 | $61,923 | $71,197-13.0% | $93,669-33.9% | $80,925-23.5% |
| Participation rate | 22.4% | 60.4%-38.0pp | 68.7%-46.3pp | 67.7%-45.2pp |
| Annual return | 12.12% | 11.27%+0.9pp | 133.59%-121.5pp | 35.65%-23.5pp |
| Employer contribution / active EE | $373 | $1,565-76.2% | $2,424-84.6% | $2,756-86.5% |
| Participant deferral / active EE | $1,197 | $4,036-70.3% | $4,416-72.9% | $4,299-72.1% |
| Admin fee / account holder | $6,979 | $6,959+0.3% | $8,291-15.8% | $6,940+0.6% |