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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 | $157,158 | $64,359+144.2% | $90,161+74.3% | $70,126+124.1% |
| Participation rate | 59.3% | 70.4%-11.2pp | 76.9%-17.6pp | 69.5%-10.3pp |
| Annual return | 15.66% | 28.13%-12.5pp | 34.89%-19.2pp | 73.15%-57.5pp |
| Employer contribution / active EE | $297 | $2,046-85.5% | $3,318-91.0% | $2,343-87.3% |
| Participant deferral / active EE | $1,380 | $4,389-68.6% | $5,287-73.9% | $3,332-58.6% |
| Admin fee / account holder | $883 | $3,945-77.6% | $5,943-85.1% | $4,645-81.0% |