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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 | $39,480 | $79,867-50.6% | $120,344-67.2% | $64,340-38.6% |
| Participation rate | 24.1% | 63.0%-38.9pp | 76.7%-52.6pp | 55.2%-31.2pp |
| Annual return | 15.41% | 21.10%-5.7pp | 20.30%-4.9pp | 24.14%-8.7pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,020-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,178 | $3,593-67.2% | $5,135-77.1% | $2,980-60.5% |
| Admin fee / account holder | $1,583 | $5,039-68.6% | $12,742-87.6% | $3,703-57.2% |