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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 | $22,944 | $39,132-41.4% | $57,196-59.9% | $62,881-63.5% |
| Participation rate | 44.2% | 70.5%-26.2pp | 75.3%-31.1pp | 69.3%-25.1pp |
| Annual return | 5.15% | 9.24%-4.1pp | 14.59%-9.4pp | 20.14%-15.0pp |
| Employer contribution / active EE | $566 | $1,874-69.8% | $2,683-78.9% | $2,281-75.2% |
| Participant deferral / active EE | $1,106 | $2,374-53.4% | $3,096-64.3% | $3,203-65.5% |
| Admin fee / account holder | $854 | $2,594-67.1% | $3,141-72.8% | $4,296-80.1% |