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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 | $20,439 | $105,623-80.6% | $87,502-76.6% | $273,972-92.5% |
| Participation rate | 50.0% | 78.2%-28.2pp | 73.8%-23.8pp | 83.0%-33.0pp |
| Annual return | 11.50% | 12.26%-0.8pp | 12.21%-0.7pp | 41.46%-30.0pp |
| Employer contribution / active EE | $1,539 | $3,141-51.0% | $2,550-39.7% | $4,869-68.4% |
| Participant deferral / active EE | $4,504 | $3,601+25.1% | $3,149+43.1% | $5,287-14.8% |
| Admin fee / account holder | $516 | $4,781-89.2% | $4,221-87.8% | $10,133-94.9% |