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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 | $57,431 | $82,523-30.4% | $115,752-50.4% | $70,126-18.1% |
| Participation rate | 48.3% | 74.0%-25.7pp | 77.8%-29.5pp | 69.5%-21.2pp |
| Annual return | 35.03% | 28.22%+6.8pp | 19.41%+15.6pp | 73.15%-38.1pp |
| Employer contribution / active EE | $0 | $2,758-100.0% | $3,492-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,447 | $4,062-64.4% | $5,204-72.2% | $3,332-56.6% |
| Admin fee / account holder | $1,306 | $4,552-71.3% | $6,278-79.2% | $4,645-71.9% |