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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 | $130,042 | $115,911+12.2% | $100,530+29.4% | $158,950-18.2% |
| Participation rate | 30.8% | 81.6%-50.8pp | 79.4%-48.6pp | 82.0%-51.2pp |
| Annual return | 11.87% | 34.80%-22.9pp | 30.89%-19.0pp | 302.91%-291.0pp |
| Employer contribution / active EE | $0 | $4,104-100.0% | $3,418-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $1,638 | $6,676-75.5% | $6,271-73.9% | $5,983-72.6% |
| Admin fee / account holder | $45,590 | $10,999+314.5% | $8,083+464.0% | $11,248+305.3% |