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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 | $92,811-15.8% | $238,191-67.2% | $86,983-10.1% |
| Participation rate | 32.3% | 69.3%-37.1pp | 77.1%-44.8pp | 69.5%-37.3pp |
| Annual return | 12.58% | 16.16%-3.6pp | 13.02%-0.4pp | 25.83%-13.3pp |
| Employer contribution / active EE | $0 | $2,728-100.0% | $5,082-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,075 | $4,479-76.0% | $6,726-84.0% | $4,194-74.4% |
| Admin fee / account holder | $3,786 | $9,177-58.7% | $34,582-89.1% | $7,856-51.8% |