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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 | $63,635 | $115,931-45.1% | $185,441-65.7% | $86,983-26.8% |
| Participation rate | 40.0% | 73.6%-33.6pp | 80.3%-40.3pp | 69.5%-29.5pp |
| Annual return | 13.77% | 21.47%-7.7pp | 20.16%-6.4pp | 25.83%-12.1pp |
| Employer contribution / active EE | $1,197 | $2,937-59.2% | $4,672-74.4% | $2,584-53.7% |
| Participant deferral / active EE | $5,260 | $4,551+15.6% | $6,152-14.5% | $4,194+25.4% |
| Admin fee / account holder | $1,252 | $10,687-88.3% | $17,890-93.0% | $7,856-84.1% |