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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 | $62,416 | $64,010-2.5% | $108,359-42.4% | $64,340-3.0% |
| Participation rate | 21.9% | 49.4%-27.5pp | 70.1%-48.2pp | 55.2%-33.4pp |
| Annual return | 15.63% | 19.74%-4.1pp | 36.89%-21.3pp | 24.14%-8.5pp |
| Employer contribution / active EE | $0 | $1,029-100.0% | $2,399-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $896 | $2,395-62.6% | $4,137-78.3% | $2,980-69.9% |
| Admin fee / account holder | $2,409 | $4,885-50.7% | $9,741-75.3% | $3,703-34.9% |