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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $53,796 | $74,535-27.8% | $100,712-46.6% | $82,637-34.9% |
| Participation rate | 39.2% | 61.2%-21.9pp | 69.3%-30.0pp | 68.1%-28.8pp |
| Annual return | 19.67% | 18.92%+0.7pp | 33.27%-13.6pp | 53.51%-33.8pp |
| Employer contribution / active EE | $461 | $1,503-69.3% | $2,313-80.1% | $2,552-81.9% |
| Participant deferral / active EE | $1,637 | $3,074-46.8% | $4,085-59.9% | $4,126-60.3% |
| Admin fee / account holder | $356 | $6,576-94.6% | $9,256-96.2% | $7,339-95.2% |