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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 | $45,250 | $63,082-28.3% | $81,716-44.6% | $79,852-43.3% |
| Participation rate | 42.3% | 67.5%-25.2pp | 72.0%-29.7pp | 69.6%-27.3pp |
| Annual return | 15.07% | 22.66%-7.6pp | 29.49%-14.4pp | 31.72%-16.7pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $4,310-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $657 | $2,780-76.4% | $7,108-90.8% | $3,740-82.4% |
| Admin fee / account holder | $454 | $4,428-89.8% | $5,159-91.2% | $5,306-91.4% |