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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 | $61,558 | $83,045-25.9% | $130,045-52.7% | $71,511-13.9% |
| Participation rate | 36.0% | 74.1%-38.1pp | 78.5%-42.5pp | 67.9%-31.9pp |
| Annual return | 15.38% | 20.61%-5.2pp | -137.30%+152.7pp | 28.86%-13.5pp |
| Employer contribution / active EE | $859 | $2,623-67.3% | $4,321-80.1% | $2,589-66.8% |
| Participant deferral / active EE | $1,832 | $4,436-58.7% | $5,820-68.5% | $4,291-57.3% |
| Admin fee / account holder | $4,564 | $1,727+164.3% | $10,600-56.9% | $1,588+187.3% |