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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 | $95,945 | $106,749-10.1% | $145,433-34.0% | $82,448+16.4% |
| Participation rate | 10.3% | 75.6%-65.3pp | 82.1%-71.8pp | 68.1%-57.7pp |
| Annual return | 44.83% | 27.59%+17.2pp | 66.58%-21.8pp | 41.64%+3.2pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,872 | $6,519-71.3% | $7,897-76.3% | $4,139-54.8% |
| Admin fee / account holder | $345 | $8,390-95.9% | $13,129-97.4% | $7,234-95.2% |