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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 | $53,796 | $58,627-8.2% | $76,735-29.9% | $82,448-34.8% |
| Participation rate | 28.6% | 63.2%-34.6pp | 69.5%-40.9pp | 68.1%-39.5pp |
| Annual return | 20.86% | 39.10%-18.2pp | 29.77%-8.9pp | 41.64%-20.8pp |
| Employer contribution / active EE | $658 | $1,729-61.9% | $2,454-73.2% | $2,551-74.2% |
| Participant deferral / active EE | $1,954 | $3,134-37.7% | $4,088-52.2% | $4,139-52.8% |
| Admin fee / account holder | $4,886 | $5,323-8.2% | $7,189-32.0% | $7,234-32.5% |