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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 | $60,976 | $91,120-33.1% | $161,149-62.2% | $64,097-4.9% |
| Participation rate | 47.6% | 62.2%-14.6pp | 78.8%-31.2pp | 55.2%-7.6pp |
| Annual return | 15.88% | 17.95%-2.1pp | 21.16%-5.3pp | 34.64%-18.8pp |
| Employer contribution / active EE | $1,489 | $2,284-34.8% | $4,360-65.9% | $1,891-21.3% |
| Participant deferral / active EE | $2,392 | $3,708-35.5% | $6,153-61.1% | $3,080-22.3% |
| Admin fee / account holder | $6,800 | $4,535+49.9% | $15,194-55.2% | $3,454+96.9% |