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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 | $45,683 | $80,332-43.1% | $107,187-57.4% | $64,097-28.7% |
| Participation rate | 34.0% | 54.4%-20.4pp | 75.0%-41.0pp | 55.2%-21.2pp |
| Annual return | 13.46% | 24.26%-10.8pp | 204.55%-191.1pp | 34.64%-21.2pp |
| Employer contribution / active EE | $0 | $2,501-100.0% | $3,782-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,327 | $3,109-57.3% | $5,096-74.0% | $3,080-56.9% |
| Admin fee / account holder | $8,005 | $4,314+85.5% | $9,162-12.6% | $3,454+131.7% |