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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 | $39,119 | $129,737-69.8% | $119,126-67.2% | $154,746-74.7% |
| Participation rate | 39.1% | 78.9%-39.7pp | 75.8%-36.6pp | 80.7%-41.6pp |
| Annual return | 18.29% | 379.08%-360.8pp | 282.11%-263.8pp | 172.34%-154.0pp |
| Employer contribution / active EE | $1,250 | $4,375-71.4% | $4,034-69.0% | $4,379-71.5% |
| Participant deferral / active EE | $1,367 | $5,842-76.6% | $5,318-74.3% | $6,730-79.7% |
| Admin fee / account holder | $914 | $11,961-92.4% | $10,693-91.5% | $14,365-93.6% |