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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 | $55,512 | $56,894-2.4% | $84,753-34.5% | $62,881-11.7% |
| Participation rate | 32.4% | 68.5%-36.2pp | 76.6%-44.2pp | 69.3%-37.0pp |
| Annual return | 10.69% | 6.30%+4.4pp | 22.78%-12.1pp | 20.14%-9.5pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,025 | $2,709-62.2% | $3,712-72.4% | $3,203-68.0% |
| Admin fee / account holder | $5,776 | $3,581+61.3% | $5,333+8.3% | $4,296+34.5% |