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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 | $43,291 | $69,255-37.5% | $133,346-67.5% | $69,255-37.5% |
| Participation rate | 28.3% | 69.0%-40.7pp | 72.8%-44.5pp | 69.0%-40.7pp |
| Annual return | 13.98% | 26.73%-12.7pp | 36.85%-22.9pp | 26.73%-12.7pp |
| Employer contribution / active EE | $494 | $2,645-81.3% | $2,853-82.7% | $2,645-81.3% |
| Participant deferral / active EE | $891 | $2,890-69.2% | $4,332-79.4% | $2,890-69.2% |
| Admin fee / account holder | $1,800 | $733+145.7% | $14,264-87.4% | $733+145.7% |