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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 | $39,824 | $72,273-44.9% | $101,275-60.7% | $79,856-50.1% |
| Participation rate | 16.1% | 68.5%-52.3pp | 75.8%-59.7pp | 69.6%-53.5pp |
| Annual return | 16.77% | 22.30%-5.5pp | 46.48%-29.7pp | 31.71%-14.9pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $850 | $3,282-74.1% | $4,371-80.6% | $3,741-77.3% |
| Admin fee / account holder | $1,288 | $4,401-70.7% | $5,948-78.3% | $5,306-75.7% |