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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 | $46,084 | $58,828-21.7% | $78,002-40.9% | $62,881-26.7% |
| Participation rate | 29.5% | 71.1%-41.5pp | 75.5%-46.0pp | 69.3%-39.8pp |
| Annual return | 7.06% | 17.16%-10.1pp | 425.99%-418.9pp | 20.14%-13.1pp |
| Employer contribution / active EE | $0 | $1,672-100.0% | $2,470-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $488 | $2,686-81.8% | $3,497-86.1% | $3,203-84.8% |
| Admin fee / account holder | $1,160 | $4,393-73.6% | $5,481-78.8% | $4,296-73.0% |