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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 | $123,165 | $88,707+38.8% | $74,184+66.0% | $273,972-55.0% |
| Participation rate | 38.9% | 79.4%-40.6pp | 76.6%-37.7pp | 83.0%-44.1pp |
| Annual return | 8.61% | 11.94%-3.3pp | 17.74%-9.1pp | 41.46%-32.8pp |
| Employer contribution / active EE | $0 | $3,159-100.0% | $2,370-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,158 | $4,212-72.5% | $3,550-67.4% | $5,287-78.1% |
| Admin fee / account holder | $2,900 | $8,717-66.7% | $5,586-48.1% | $10,133-71.4% |