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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 | $39,810 | $48,277-17.5% | $67,511-41.0% | $80,874-50.8% |
| Participation rate | 38.3% | 66.4%-28.1pp | 72.9%-34.6pp | 67.6%-29.3pp |
| Annual return | 12.32% | 18.27%-5.9pp | 3517.41%-3505.1pp | 35.62%-23.3pp |
| Employer contribution / active EE | $597 | $2,021-70.5% | $2,733-78.2% | $2,756-78.3% |
| Participant deferral / active EE | $692 | $2,926-76.4% | $4,000-82.7% | $4,297-83.9% |
| Admin fee / account holder | $4,982 | $3,687+35.1% | $3,999+24.6% | $6,935-28.2% |