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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 | $89,429 | $85,515+4.6% | $112,040-20.2% | $67,986+31.5% |
| Participation rate | 23.4% | 68.2%-44.8pp | 76.5%-53.1pp | 57.2%-33.8pp |
| Annual return | 16.00% | 29.68%-13.7pp | 24.52%-8.5pp | 31.67%-15.7pp |
| Employer contribution / active EE | $0 | $2,191-100.0% | $2,954-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,511 | $4,014-62.4% | $5,098-70.4% | $3,358-55.0% |
| Admin fee / account holder | $14,897 | $3,774+294.8% | $12,098+23.1% | $3,203+365.1% |