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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 | $54,472 | $91,120-40.2% | $161,149-66.2% | $64,097-15.0% |
| Participation rate | 27.7% | 62.2%-34.5pp | 78.8%-51.2pp | 55.2%-27.5pp |
| Annual return | 13.99% | 17.95%-4.0pp | 21.16%-7.2pp | 34.64%-20.7pp |
| Employer contribution / active EE | $0 | $2,284-100.0% | $4,360-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,183 | $3,708-68.1% | $6,153-80.8% | $3,080-61.6% |
| Admin fee / account holder | $5,090 | $4,535+12.2% | $15,194-66.5% | $3,454+47.3% |