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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 | $58,557 | $89,067-34.3% | $102,423-42.8% | $77,714-24.7% |
| Participation rate | 16.1% | 80.9%-64.8pp | 76.5%-60.4pp | 70.6%-54.4pp |
| Annual return | 15.48% | 25.01%-9.5pp | 29.42%-13.9pp | 31.26%-15.8pp |
| Employer contribution / active EE | $0 | $2,699-100.0% | $3,023-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $629 | $5,147-87.8% | $5,054-87.6% | $4,649-86.5% |
| Admin fee / account holder | $3,738 | $236+1485.2% | $9,455-60.5% | $433+762.6% |