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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 | $163,839 | $101,752+61.0% | $164,928-0.7% | $80,911+102.5% |
| Participation rate | 31.0% | 71.8%-40.8pp | 78.6%-47.6pp | 67.6%-36.6pp |
| Annual return | 15.64% | 16.73%-1.1pp | 70.08%-54.4pp | 35.63%-20.0pp |
| Employer contribution / active EE | $0 | $2,953-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $648 | $4,477-85.5% | $6,034-89.3% | $4,297-84.9% |
| Admin fee / account holder | $1,337 | $8,218-83.7% | $12,684-89.5% | $6,935-80.7% |