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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 | $49,510 | $93,055-46.8% | $153,741-67.8% | $80,959-38.8% |
| Participation rate | 22.2% | 69.0%-46.8pp | 77.1%-54.9pp | 67.7%-45.4pp |
| Annual return | 18.40% | 19.97%-1.6pp | 15.71%+2.7pp | 35.67%-17.3pp |
| Employer contribution / active EE | $0 | $3,504-100.0% | $5,042-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,604 | $5,172-69.0% | $6,757-76.3% | $4,300-62.7% |
| Admin fee / account holder | $1,602 | $8,881-82.0% | $12,749-87.4% | $6,925-76.9% |