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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 | $62,433 | $67,595-7.6% | $186,193-66.5% | $64,340-3.0% |
| Participation rate | 9.7% | 51.9%-42.2pp | 77.1%-67.4pp | 55.2%-45.5pp |
| Annual return | 34.53% | 17.46%+17.1pp | 78.03%-43.5pp | 24.14%+10.4pp |
| Employer contribution / active EE | $0 | $1,513-100.0% | $3,918-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $871 | $3,023-71.2% | $6,513-86.6% | $2,980-70.8% |
| Admin fee / account holder | $2,341 | $5,311-55.9% | $11,058-78.8% | $3,703-36.8% |