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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 | $37,859 | $70,486-46.3% | $100,528-62.3% | $79,852-52.6% |
| Participation rate | 19.2% | 73.6%-54.4pp | 79.4%-60.2pp | 69.6%-50.4pp |
| Annual return | 14.67% | 21.90%-7.2pp | 30.90%-16.2pp | 31.72%-17.0pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,228 | $5,182-76.3% | $6,271-80.4% | $3,740-67.2% |
| Admin fee / account holder | $796 | $4,480-82.2% | $8,084-90.2% | $5,306-85.0% |