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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 | $62,531 | $54,045+15.7% | $115,170-45.7% | $65,185-4.1% |
| Participation rate | 2.8% | 63.5%-60.7pp | 75.9%-73.1pp | 70.2%-67.4pp |
| Annual return | 26.69% | 26.55%+0.1pp | 35.60%-8.9pp | 29.38%-2.7pp |
| Employer contribution / active EE | $0 | $1,653-100.0% | $3,179-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $263 | $2,504-89.5% | $4,169-93.7% | $3,514-92.5% |
| Admin fee / account holder | $1,266 | $626+102.3% | $7,089-82.1% | $847+49.4% |