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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 | $98,753 | $100,194-1.4% | $122,979-19.7% | $86,983+13.5% |
| Participation rate | 27.6% | 73.0%-45.4pp | 77.2%-49.6pp | 69.5%-42.0pp |
| Annual return | 16.85% | 16.47%+0.4pp | 20.12%-3.3pp | 25.83%-9.0pp |
| Employer contribution / active EE | $0 | $2,326-100.0% | $3,062-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,668 | $4,133-59.6% | $5,003-66.7% | $4,194-60.2% |
| Admin fee / account holder | $618 | $10,148-93.9% | $12,864-95.2% | $7,856-92.1% |