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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 | $40,026 | $57,119-29.9% | $85,187-53.0% | $80,935-50.5% |
| Participation rate | 17.4% | 56.4%-39.0pp | 67.5%-50.1pp | 67.7%-50.3pp |
| Annual return | 12.63% | 21.70%-9.1pp | 66.67%-54.0pp | 35.66%-23.0pp |
| Employer contribution / active EE | $283 | $1,802-84.3% | $2,732-89.7% | $2,757-89.7% |
| Participant deferral / active EE | $357 | $3,115-88.6% | $4,525-92.1% | $4,299-91.7% |
| Admin fee / account holder | $3,281 | $4,990-34.3% | $6,162-46.8% | $6,924-52.6% |