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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 | $29,642 | $77,670-61.8% | $109,163-72.8% | $79,393-62.7% |
| Participation rate | 45.0% | 67.8%-22.8pp | 75.9%-30.9pp | 70.7%-25.7pp |
| Annual return | 16.13% | 23.44%-7.3pp | 25.75%-9.6pp | 116.87%-100.7pp |
| Employer contribution / active EE | $1,154 | $2,798-58.8% | $3,723-69.0% | $2,428-52.5% |
| Participant deferral / active EE | $1,961 | $3,518-44.3% | $4,654-57.9% | $4,046-51.5% |
| Admin fee / account holder | $418 | $732-42.9% | $6,754-93.8% | $627-33.3% |