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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 | $47,045 | $99,345-52.6% | $84,753-44.5% | $273,972-82.8% |
| Participation rate | 50.0% | 80.7%-30.7pp | 76.6%-26.6pp | 83.0%-33.0pp |
| Annual return | 2.34% | 22.93%-20.6pp | 22.78%-20.4pp | 41.46%-39.1pp |
| Employer contribution / active EE | $1,445 | $4,214-65.7% | $3,574-59.6% | $4,869-70.3% |
| Participant deferral / active EE | $3,580 | $4,270-16.2% | $3,712-3.6% | $5,287-32.3% |
| Admin fee / account holder | $1,566 | $6,645-76.4% | $5,333-70.6% | $10,133-84.5% |