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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 | $45,644 | $65,034-29.8% | $90,970-49.8% | $79,856-42.8% |
| Participation rate | 35.3% | 61.6%-26.3pp | 69.0%-33.7pp | 69.6%-34.3pp |
| Annual return | 12.02% | 30.45%-18.4pp | 134.60%-122.6pp | 31.71%-19.7pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $381 | $2,512-84.9% | $3,373-88.7% | $3,741-89.8% |
| Admin fee / account holder | $1,176 | $4,536-74.1% | $5,961-80.3% | $5,306-77.8% |