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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 | $40,651 | $51,283-20.7% | $95,740-57.5% | $71,511-43.2% |
| Participation rate | 21.5% | 63.1%-41.6pp | 72.3%-50.8pp | 67.9%-46.4pp |
| Annual return | 16.21% | 25.25%-9.0pp | 28.41%-12.2pp | 28.86%-12.6pp |
| Employer contribution / active EE | $0 | $1,817-100.0% | $2,836-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $985 | $3,365-70.7% | $4,244-76.8% | $4,291-77.0% |
| Admin fee / account holder | $637 | $1,135-43.9% | $5,676-88.8% | $1,588-59.9% |