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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 | $118,468 | $123,000-3.7% | $105,582+12.2% | $198,609-40.4% |
| Participation rate | 33.3% | 76.8%-43.4pp | 71.8%-38.4pp | 82.4%-49.0pp |
| Annual return | 6.42% | 18.31%-11.9pp | 18.61%-12.2pp | 202.70%-196.3pp |
| Employer contribution / active EE | $0 | $3,582-100.0% | $2,984-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $1,808 | $5,013-63.9% | $4,353-58.5% | $6,977-74.1% |
| Admin fee / account holder | $11,128 | $16,254-31.5% | $12,856-13.4% | $19,030-41.5% |