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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 | $38,007 | $50,972-25.4% | $88,538-57.1% | $72,975-47.9% |
| Participation rate | 48.5% | 63.4%-14.9pp | 68.7%-20.3pp | 69.5%-21.0pp |
| Annual return | 17.50% | 29.62%-12.1pp | 43.64%-26.1pp | 81.01%-63.5pp |
| Employer contribution / active EE | $624 | $1,475-57.7% | $2,098-70.3% | $2,440-74.4% |
| Participant deferral / active EE | $1,622 | $2,230-27.3% | $2,914-44.3% | $3,608-55.0% |
| Admin fee / account holder | $406 | $3,230-87.4% | $4,310-90.6% | $5,124-92.1% |