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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 | $49,493 | $81,487-39.3% | $102,412-51.7% | $80,935-38.8% |
| Participation rate | 23.3% | 66.8%-43.6pp | 74.5%-51.2pp | 67.7%-44.4pp |
| Annual return | 12.95% | 25.60%-12.6pp | 24.94%-12.0pp | 35.66%-22.7pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,276 | $3,871-67.0% | $5,060-74.8% | $4,299-70.3% |
| Admin fee / account holder | $658 | $6,717-90.2% | $8,388-92.2% | $6,924-90.5% |