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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 | $38,670 | $86,949-55.5% | $102,460-62.3% | $80,959-52.2% |
| Participation rate | 48.8% | 72.4%-23.5pp | 76.5%-27.7pp | 67.7%-18.8pp |
| Annual return | 28.44% | 18.89%+9.5pp | 29.47%-1.0pp | 35.67%-7.2pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,395 | $4,121-66.2% | $5,056-72.4% | $4,300-67.6% |
| Admin fee / account holder | $3,486 | $8,048-56.7% | $9,460-63.2% | $6,925-49.7% |