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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 | $38,110 | $87,037-56.2% | $106,201-64.1% | $80,874-52.9% |
| Participation rate | 30.8% | 70.4%-39.7pp | 75.3%-44.5pp | 67.6%-36.9pp |
| Annual return | 13.83% | 17.05%-3.2pp | 116.26%-102.4pp | 35.62%-21.8pp |
| Employer contribution / active EE | $1,137 | $2,396-52.6% | $3,170-64.1% | $2,756-58.7% |
| Participant deferral / active EE | $3,441 | $3,986-13.7% | $5,012-31.3% | $4,297-19.9% |
| Admin fee / account holder | $7,623 | $8,434-9.6% | $11,039-30.9% | $6,935+9.9% |