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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 | $45,985 | $49,239-6.6% | $70,462-34.7% | $79,858-42.4% |
| Participation rate | 12.5% | 69.2%-56.7pp | 75.1%-62.6pp | 69.6%-57.1pp |
| Annual return | 13.87% | 30.08%-16.2pp | 109.08%-95.2pp | 31.72%-17.8pp |
| Employer contribution / active EE | $0 | $2,100-100.0% | $2,737-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $624 | $2,769-77.5% | $3,710-83.2% | $3,740-83.3% |
| Admin fee / account holder | $2,720 | $2,876-5.4% | $3,845-29.3% | $5,306-48.7% |