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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 | $46,324 | $67,411-31.3% | $91,004-49.1% | $70,124-33.9% |
| Participation rate | 54.1% | 71.4%-17.3pp | 75.6%-21.5pp | 69.5%-15.5pp |
| Annual return | 16.02% | -40.16%+56.2pp | 4.60%+11.4pp | 73.14%-57.1pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,145 | $2,823-59.5% | $3,548-67.7% | $3,332-65.6% |
| Admin fee / account holder | $3,508 | $4,236-17.2% | $5,417-35.2% | $4,645-24.5% |