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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 | $38,809 | $98,776-60.7% | $149,745-74.1% | $79,856-51.4% |
| Participation rate | 38.1% | 75.8%-37.7pp | 82.5%-44.4pp | 69.6%-31.5pp |
| Annual return | 22.12% | 27.38%-5.3pp | 276.72%-254.6pp | 31.71%-9.6pp |
| Employer contribution / active EE | $991 | $3,217-69.2% | $4,646-78.7% | $2,471-59.9% |
| Participant deferral / active EE | $2,140 | $5,681-62.3% | $6,843-68.7% | $3,741-42.8% |
| Admin fee / account holder | $2,570 | $6,053-57.5% | $9,312-72.4% | $5,306-51.6% |