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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 | $34,490 | $69,977-50.7% | $108,582-68.2% | $62,881-45.2% |
| Participation rate | 68.0% | 72.9%-4.9pp | 79.6%-11.6pp | 69.3%-1.3pp |
| Annual return | 13.19% | 10.73%+2.5pp | -51.70%+64.9pp | 20.14%-7.0pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $969 | $3,165-69.4% | $4,311-77.5% | $3,203-69.7% |
| Admin fee / account holder | $405 | $5,076-92.0% | $7,645-94.7% | $4,296-90.6% |