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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 | $54,433 | $67,411-19.3% | $91,004-40.2% | $70,126-22.4% |
| Participation rate | 41.2% | 71.4%-30.2pp | 75.6%-34.4pp | 69.5%-28.4pp |
| Annual return | 13.61% | -40.16%+53.8pp | 4.60%+9.0pp | 73.15%-59.5pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,022 | $2,823-63.8% | $3,548-71.2% | $3,332-69.3% |
| Admin fee / account holder | $1,588 | $4,236-62.5% | $5,417-70.7% | $4,645-65.8% |