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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 | $37,544 | $83,023-54.8% | $102,437-63.3% | $77,762-51.7% |
| Participation rate | 13.1% | 71.5%-58.5pp | 74.5%-61.4pp | 70.6%-57.5pp |
| Annual return | 13.39% | 19.12%-5.7pp | 24.95%-11.6pp | 31.27%-17.9pp |
| Employer contribution / active EE | $0 | $3,552-100.0% | $3,871-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $970 | $4,110-76.4% | $5,060-80.8% | $4,651-79.1% |
| Admin fee / account holder | $2,866 | $639+348.5% | $8,388-65.8% | $433+562.0% |