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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 | $57,971 | $86,949-33.3% | $102,460-43.4% | $80,959-28.4% |
| Participation rate | 48.9% | 72.4%-23.4pp | 76.5%-27.6pp | 67.7%-18.7pp |
| Annual return | 12.43% | 18.89%-6.5pp | 29.47%-17.0pp | 35.67%-23.2pp |
| Employer contribution / active EE | $1,127 | $2,370-52.5% | $3,025-62.8% | $2,757-59.1% |
| Participant deferral / active EE | $1,858 | $4,121-54.9% | $5,056-63.2% | $4,300-56.8% |
| Admin fee / account holder | $13,009 | $8,048+61.6% | $9,460+37.5% | $6,925+87.8% |