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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 | $36,674 | $81,504-55.0% | $102,437-64.2% | $80,959-54.7% |
| Participation rate | 48.6% | 66.9%-18.3pp | 74.5%-25.9pp | 67.7%-19.1pp |
| Annual return | 14.24% | 25.60%-11.4pp | 24.95%-10.7pp | 35.67%-21.4pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,564 | $3,871-59.6% | $5,060-69.1% | $4,300-63.6% |
| Admin fee / account holder | $6,071 | $6,719-9.7% | $8,388-27.6% | $6,925-12.3% |