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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 | $34,856 | $88,707-60.7% | $74,184-53.0% | $273,972-87.3% |
| Participation rate | 47.4% | 79.4%-32.1pp | 76.6%-29.3pp | 83.0%-35.6pp |
| Annual return | 9.80% | 11.94%-2.1pp | 17.74%-7.9pp | 41.46%-31.7pp |
| Employer contribution / active EE | $575 | $3,159-81.8% | $2,370-75.7% | $4,869-88.2% |
| Participant deferral / active EE | $1,324 | $4,212-68.6% | $3,550-62.7% | $5,287-75.0% |
| Admin fee / account holder | $538 | $8,717-93.8% | $5,586-90.4% | $10,133-94.7% |