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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 | $95,011 | $73,787+28.8% | $98,716-3.8% | $82,448+15.2% |
| Participation rate | 19.4% | 61.4%-42.0pp | 69.3%-49.9pp | 68.1%-48.7pp |
| Annual return | 14.63% | 18.57%-3.9pp | 31.81%-17.2pp | 41.64%-27.0pp |
| Employer contribution / active EE | $482 | $1,511-68.1% | $2,279-78.8% | $2,551-81.1% |
| Participant deferral / active EE | $980 | $3,081-68.2% | $4,048-75.8% | $4,139-76.3% |
| Admin fee / account holder | $3,321 | $6,500-48.9% | $8,703-61.8% | $7,234-54.1% |