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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 | $59,309 | $67,606-12.3% | $82,313-27.9% | $70,124-15.4% |
| Participation rate | 45.9% | 72.8%-26.8pp | 76.9%-30.9pp | 69.5%-23.6pp |
| Annual return | 21.87% | 21.57%+0.3pp | 25.88%-4.0pp | 73.14%-51.3pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $350 | $2,987-88.3% | $3,706-90.6% | $3,332-89.5% |
| Admin fee / account holder | $1,627 | $4,512-64.0% | $5,608-71.0% | $4,645-65.0% |