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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 | $46,004 | $48,050-4.3% | $85,969-46.5% | $59,633-22.9% |
| Participation rate | 21.5% | 64.5%-42.9pp | 76.5%-55.0pp | 68.7%-47.1pp |
| Annual return | 1.35% | 0.29%+1.1pp | 9.32%-8.0pp | 2041.45%-2040.1pp |
| Employer contribution / active EE | $0 | $1,640-100.0% | $3,474-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $610 | $2,249-72.9% | $3,829-84.1% | $3,192-80.9% |
| Admin fee / account holder | $1,468 | $3,206-54.2% | $6,053-75.8% | $4,297-65.8% |