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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 | $80,481 | $83,369-3.5% | $105,223-23.5% | $67,986+18.4% |
| Participation rate | 20.6% | 56.3%-35.7pp | 75.0%-54.4pp | 57.2%-36.6pp |
| Annual return | 15.59% | 24.64%-9.1pp | 180.65%-165.1pp | 31.67%-16.1pp |
| Employer contribution / active EE | $0 | $2,541-100.0% | $3,689-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $666 | $3,295-79.8% | $5,072-86.9% | $3,358-80.2% |
| Admin fee / account holder | $3,929 | $4,073-3.5% | $8,859-55.7% | $3,203+22.6% |