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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 | $44,206 | $49,280-10.3% | $67,313-34.3% | $64,173-31.1% |
| Participation rate | 28.8% | 60.8%-31.9pp | 69.1%-40.2pp | 69.6%-40.7pp |
| Annual return | 14.35% | -1.39%+15.7pp | -4.08%+18.4pp | 7.63%+6.7pp |
| Employer contribution / active EE | $669 | $1,668-59.9% | $2,566-73.9% | $2,381-71.9% |
| Participant deferral / active EE | $1,003 | $2,484-59.6% | $3,568-71.9% | $3,470-71.1% |
| Admin fee / account holder | $557 | $3,863-85.6% | $4,507-87.6% | $4,887-88.6% |