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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 | $59,045 | $101,795-42.0% | $165,100-64.2% | $80,959-27.1% |
| Participation rate | 44.4% | 71.8%-27.4pp | 78.6%-34.2pp | 67.7%-23.2pp |
| Annual return | 13.09% | 16.73%-3.6pp | 70.21%-57.1pp | 35.67%-22.6pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,747 | $4,476-61.0% | $6,035-71.1% | $4,300-59.4% |
| Admin fee / account holder | $711 | $8,221-91.4% | $12,696-94.4% | $6,925-89.7% |