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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 | $41,083 | $91,559-55.1% | $133,959-69.3% | $79,858-48.6% |
| Participation rate | 20.0% | 73.3%-53.3pp | 79.8%-59.8pp | 69.6%-49.6pp |
| Annual return | 13.21% | 61.85%-48.6pp | 45.09%-31.9pp | 31.72%-18.5pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $175 | $3,734-95.3% | $5,047-96.5% | $3,740-95.3% |
| Admin fee / account holder | $1,135 | $6,321-82.0% | $8,928-87.3% | $5,306-78.6% |