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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 | $22,070 | $46,688-52.7% | $189,758-88.4% | $69,733-68.4% |
| Participation rate | 48.5% | 61.7%-13.2pp | 79.8%-31.3pp | 62.5%-13.9pp |
| Annual return | 18.52% | 14.35%+4.2pp | 52.62%-34.1pp | 15.22%+3.3pp |
| Employer contribution / active EE | $595 | $1,695-64.9% | $4,767-87.5% | $2,250-73.6% |
| Participant deferral / active EE | $1,474 | $2,143-31.2% | $5,856-74.8% | $3,054-51.7% |
| Admin fee / account holder | $3,894 | $1,700+129.0% | $20,388-80.9% | $3,102+25.5% |