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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 | $40,498 | $53,128-23.8% | $86,582-53.2% | $70,126-42.3% |
| Participation rate | 30.5% | 65.3%-34.8pp | 73.5%-43.0pp | 69.5%-39.0pp |
| Annual return | 12.79% | 27.66%-14.9pp | 965.08%-952.3pp | 73.15%-60.4pp |
| Employer contribution / active EE | $0 | $2,068-100.0% | $2,839-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $578 | $2,695-78.5% | $3,609-84.0% | $3,332-82.6% |
| Admin fee / account holder | $5,212 | $3,584+45.4% | $4,904+6.3% | $4,645+12.2% |