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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 | $74,318 | $63,949+16.2% | $129,031-42.4% | $94,015-21.0% |
| Participation rate | 66.7% | 63.4%+3.2pp | 73.4%-6.7pp | 70.8%-4.2pp |
| Annual return | 13.58% | 17.56%-4.0pp | 34.67%-21.1pp | 17.84%-4.3pp |
| Employer contribution / active EE | $0 | $1,865-100.0% | $3,226-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $705 | $3,686-80.9% | $5,217-86.5% | $4,249-83.4% |
| Admin fee / account holder | $12,481 | $5,523+126.0% | $13,208-5.5% | $8,951+39.4% |