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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 | $29,471 | $66,275-55.5% | $163,379-82.0% | $64,097-54.0% |
| Participation rate | 51.4% | 54.1%-2.7pp | 76.8%-25.5pp | 55.2%-3.8pp |
| Annual return | 16.36% | 32.72%-16.4pp | 63.41%-47.0pp | 34.64%-18.3pp |
| Employer contribution / active EE | $1,187 | $1,521-21.9% | $3,752-68.4% | $1,891-37.2% |
| Participant deferral / active EE | $2,225 | $3,126-28.8% | $6,282-64.6% | $3,080-27.8% |
| Admin fee / account holder | $6,795 | $4,569+48.7% | $9,818-30.8% | $3,454+96.7% |