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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 | $131,897 | $127,296+3.6% | $109,907+20.0% | $167,536-21.3% |
| Participation rate | 45.5% | 77.9%-32.4pp | 74.2%-28.8pp | 82.1%-36.7pp |
| Annual return | 35.76% | 22.97%+12.8pp | 29.46%+6.3pp | 478.82%-443.1pp |
| Employer contribution / active EE | $0 | $3,325-100.0% | $2,844-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $341 | $4,513-92.4% | $4,047-91.6% | $6,342-94.6% |
| Admin fee / account holder | $1,689 | $7,119-76.3% | $6,069-72.2% | $12,315-86.3% |