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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 | $78,178 | $96,289-18.8% | $213,469-63.4% | $87,485-10.6% |
| Participation rate | 32.3% | 69.6%-37.3pp | 77.1%-44.9pp | 68.9%-36.7pp |
| Annual return | 12.58% | 17.78%-5.2pp | 20.58%-8.0pp | 26.06%-13.5pp |
| Employer contribution / active EE | $0 | $3,035-100.0% | $4,994-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,075 | $4,750-77.4% | $6,841-84.3% | $4,274-74.8% |
| Admin fee / account holder | $3,786 | $9,670-60.8% | $27,141-86.1% | $7,775-51.3% |