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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 | $40,589 | $53,777-24.5% | $134,155-69.7% | $79,858-49.2% |
| Participation rate | 26.0% | 58.8%-32.8pp | 72.2%-46.2pp | 69.6%-43.6pp |
| Annual return | 19.70% | 19.01%+0.7pp | 36.34%-16.6pp | 31.72%-12.0pp |
| Employer contribution / active EE | $0 | $1,321-100.0% | $3,705-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $543 | $2,420-77.6% | $3,500-84.5% | $3,740-85.5% |
| Admin fee / account holder | $3,555 | $3,984-10.8% | $6,685-46.8% | $5,306-33.0% |