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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 | $36,583 | $72,486-49.5% | $87,103-58.0% | $72,976-49.9% |
| Participation rate | 48.7% | 72.8%-24.1pp | 76.9%-28.2pp | 69.5%-20.8pp |
| Annual return | 18.52% | 24.46%-5.9pp | 28.19%-9.7pp | 81.02%-62.5pp |
| Employer contribution / active EE | $1,431 | $1,894-24.4% | $2,521-43.2% | $2,440-41.4% |
| Participant deferral / active EE | $2,007 | $3,270-38.6% | $4,049-50.4% | $3,608-44.4% |
| Admin fee / account holder | $3,703 | $5,055-26.7% | $7,491-50.6% | $5,124-27.7% |