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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 | $76,834+23.7% | $108,359-12.3% | $87,485+8.6% |
| Participation rate | 19.4% | 61.7%-42.3pp | 70.1%-50.7pp | 68.9%-49.5pp |
| Annual return | 14.63% | 19.09%-4.5pp | 36.89%-22.3pp | 26.06%-11.4pp |
| Employer contribution / active EE | $482 | $1,556-69.0% | $2,399-79.9% | $2,596-81.4% |
| Participant deferral / active EE | $980 | $3,100-68.4% | $4,137-76.3% | $4,274-77.1% |
| Admin fee / account holder | $3,321 | $6,537-49.2% | $9,741-65.9% | $7,775-57.3% |