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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 | $56,544 | $65,364-13.5% | $92,909-39.1% | $72,975-22.5% |
| Participation rate | 35.1% | 68.3%-33.2pp | 76.0%-40.9pp | 69.5%-34.4pp |
| Annual return | 22.44% | 42.11%-19.7pp | 109.44%-87.0pp | 81.01%-58.6pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $963 | $3,128-69.2% | $4,238-77.3% | $3,608-73.3% |
| Admin fee / account holder | $6,957 | $4,251+63.7% | $5,795+20.1% | $5,124+35.8% |