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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 | $42,719 | $78,520-45.6% | $96,576-55.8% | $82,448-48.2% |
| Participation rate | 29.7% | 77.7%-48.0pp | 81.4%-51.7pp | 68.1%-38.3pp |
| Annual return | 16.58% | 41.30%-24.7pp | 38.47%-21.9pp | 41.64%-25.1pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $800 | $6,754-88.1% | $7,956-89.9% | $4,139-80.7% |
| Admin fee / account holder | $3,137 | $13,455-76.7% | $11,381-72.4% | $7,234-56.6% |