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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 | $55,290 | $101,778-45.7% | $164,975-66.5% | $80,925-31.7% |
| Participation rate | 33.3% | 71.8%-38.5pp | 78.6%-45.3pp | 67.7%-34.3pp |
| Annual return | 12.99% | 16.73%-3.7pp | 70.12%-57.1pp | 35.65%-22.7pp |
| Employer contribution / active EE | $1,186 | $2,954-59.9% | $4,343-72.7% | $2,756-57.0% |
| Participant deferral / active EE | $2,015 | $4,477-55.0% | $6,033-66.6% | $4,299-53.1% |
| Admin fee / account holder | $787 | $8,221-90.4% | $12,688-93.8% | $6,940-88.7% |