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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 | $3,172 | $16,790-81.1% | $64,489-95.1% | $67,986-95.3% |
| Participation rate | 45.1% | 62.4%-17.3pp | 67.7%-22.6pp | 57.2%-12.1pp |
| Annual return | 28.49% | 30.55%-2.1pp | 55.03%-26.5pp | 31.67%-3.2pp |
| Employer contribution / active EE | $562 | $648-13.2% | $1,523-63.1% | $2,019-72.1% |
| Participant deferral / active EE | $548 | $1,510-63.7% | $2,778-80.3% | $3,358-83.7% |
| Admin fee / account holder | $757 | $1,690-55.2% | $4,260-82.2% | $3,203-76.4% |