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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 | $68,389 | $80,992-15.6% | $96,534-29.2% | $75,173-9.0% |
| Participation rate | 23.6% | 71.8%-48.2pp | 76.0%-52.3pp | 67.2%-43.6pp |
| Annual return | 30.36% | 27.05%+3.3pp | 25.88%+4.5pp | 160.72%-130.4pp |
| Employer contribution / active EE | $0 | $2,283-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $953 | $3,929-75.8% | $4,851-80.4% | $4,126-76.9% |
| Admin fee / account holder | $8,950 | $6,717+33.2% | $8,253+8.4% | $5,651+58.4% |