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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 | $45,114 | $69,444-35.0% | $92,985-51.5% | $87,485-48.4% |
| Participation rate | 29.0% | 63.3%-34.3pp | 69.5%-40.5pp | 68.9%-39.9pp |
| Annual return | 15.08% | 23.85%-8.8pp | 27.99%-12.9pp | 26.06%-11.0pp |
| Employer contribution / active EE | $690 | $1,917-64.0% | $2,662-74.1% | $2,596-73.4% |
| Participant deferral / active EE | $1,299 | $3,364-61.4% | $4,377-70.3% | $4,274-69.6% |
| Admin fee / account holder | $333 | $6,137-94.6% | $9,463-96.5% | $7,775-95.7% |