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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 | $33,409 | $37,446-10.8% | $77,552-56.9% | $79,856-58.2% |
| Participation rate | 37.9% | 41.5%-3.6pp | 54.2%-16.3pp | 69.6%-31.7pp |
| Annual return | 11.96% | 39.76%-27.8pp | 54.82%-42.9pp | 31.71%-19.7pp |
| Employer contribution / active EE | $0 | $637-100.0% | $987-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $307 | $1,261-75.6% | $1,861-83.5% | $3,741-91.8% |
| Admin fee / account holder | $562 | $2,506-77.6% | $2,859-80.3% | $5,306-89.4% |