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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 | $40,395 | $88,707-54.5% | $74,184-45.5% | $273,972-85.3% |
| Participation rate | 33.3% | 79.4%-46.1pp | 76.6%-43.3pp | 83.0%-49.7pp |
| Annual return | 4.81% | 11.94%-7.1pp | 17.74%-12.9pp | 41.46%-36.6pp |
| Employer contribution / active EE | $906 | $3,159-71.3% | $2,370-61.8% | $4,869-81.4% |
| Participant deferral / active EE | $1,788 | $4,212-57.5% | $3,550-49.6% | $5,287-66.2% |
| Admin fee / account holder | $2,849 | $8,717-67.3% | $5,586-49.0% | $10,133-71.9% |