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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 | $43,784 | $57,140-23.4% | $85,240-48.6% | $80,959-45.9% |
| Participation rate | 45.9% | 56.4%-10.5pp | 67.5%-21.6pp | 67.7%-21.7pp |
| Annual return | 12.77% | 21.71%-8.9pp | 66.75%-54.0pp | 35.67%-22.9pp |
| Employer contribution / active EE | $1,296 | $1,802-28.1% | $2,735-52.6% | $2,757-53.0% |
| Participant deferral / active EE | $2,547 | $3,115-18.2% | $4,527-43.7% | $4,300-40.8% |
| Admin fee / account holder | $1,039 | $4,992-79.2% | $6,165-83.2% | $6,925-85.0% |