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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 | $52,722 | $72,486-27.3% | $87,103-39.5% | $72,976-27.8% |
| Participation rate | 32.9% | 72.8%-39.9pp | 76.9%-44.0pp | 69.5%-36.6pp |
| Annual return | 16.87% | 24.46%-7.6pp | 28.19%-11.3pp | 81.02%-64.1pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,355 | $3,270-58.6% | $4,049-66.5% | $3,608-62.4% |
| Admin fee / account holder | $9,938 | $5,055+96.6% | $7,491+32.7% | $5,124+93.9% |