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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 | $62,114 | $138,386-55.1% | $184,260-66.3% | $80,935-23.3% |
| Participation rate | 44.4% | 83.9%-39.4pp | 86.8%-42.4pp | 67.7%-23.2pp |
| Annual return | 15.02% | 20.02%-5.0pp | 28.84%-13.8pp | 35.66%-20.6pp |
| Employer contribution / active EE | $0 | $4,851-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,367 | $7,076-66.6% | $9,133-74.1% | $4,299-45.0% |
| Admin fee / account holder | $8,435 | $10,489-19.6% | $13,898-39.3% | $6,924+21.8% |