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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 | $85,336 | $58,493+45.9% | $84,023+1.6% | $72,976+16.9% |
| Participation rate | 40.0% | 61.2%-21.2pp | 69.0%-29.0pp | 69.5%-29.5pp |
| Annual return | 22.97% | 28.93%-6.0pp | 71.32%-48.3pp | 81.02%-58.0pp |
| Employer contribution / active EE | $662 | $1,163-43.1% | $1,984-66.6% | $2,440-72.9% |
| Participant deferral / active EE | $841 | $2,394-64.9% | $3,239-74.0% | $3,608-76.7% |
| Admin fee / account holder | $14,427 | $4,569+215.8% | $6,102+136.4% | $5,124+181.5% |