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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 | $50,846 | $69,977-27.3% | $108,582-53.2% | $62,881-19.1% |
| Participation rate | 39.0% | 72.9%-33.9pp | 79.6%-40.6pp | 69.3%-30.3pp |
| Annual return | 6.51% | 10.73%-4.2pp | -51.70%+58.2pp | 20.14%-13.6pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $364 | $3,165-88.5% | $4,311-91.6% | $3,203-88.6% |
| Admin fee / account holder | $14,223 | $5,076+180.2% | $7,645+86.0% | $4,296+231.1% |