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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 | $54,168 | $101,778-46.8% | $164,975-67.2% | $80,925-33.1% |
| Participation rate | 15.3% | 71.8%-56.5pp | 78.6%-63.3pp | 67.7%-52.4pp |
| Annual return | 17.65% | 16.73%+0.9pp | 70.12%-52.5pp | 35.65%-18.0pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $277 | $4,477-93.8% | $6,033-95.4% | $4,299-93.5% |
| Admin fee / account holder | $4,110 | $8,221-50.0% | $12,688-67.6% | $6,940-40.8% |