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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 | $41,875 | $39,132+7.0% | $57,196-26.8% | $62,881-33.4% |
| Participation rate | 19.0% | 70.5%-51.5pp | 75.3%-56.4pp | 69.3%-50.3pp |
| Annual return | 6.77% | 9.24%-2.5pp | 14.59%-7.8pp | 20.14%-13.4pp |
| Employer contribution / active EE | $0 | $1,874-100.0% | $2,683-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $494 | $2,374-79.2% | $3,096-84.0% | $3,203-84.6% |
| Admin fee / account holder | $689 | $2,594-73.5% | $3,141-78.1% | $4,296-84.0% |