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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 | $31,344 | $72,492-56.8% | $87,104-64.0% | $72,975-57.0% |
| Participation rate | 64.0% | 72.8%-8.8pp | 76.9%-12.8pp | 69.5%-5.4pp |
| Annual return | 23.56% | 24.46%-0.9pp | 28.19%-4.6pp | 81.01%-57.5pp |
| Employer contribution / active EE | $1,415 | $1,894-25.3% | $2,521-43.9% | $2,440-42.0% |
| Participant deferral / active EE | $4,814 | $3,270+47.2% | $4,048+18.9% | $3,608+33.4% |
| Admin fee / account holder | $1,326 | $5,055-73.8% | $7,491-82.3% | $5,124-74.1% |