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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 | $31,180 | $52,580-40.7% | $71,671-56.5% | $70,126-55.5% |
| Participation rate | 48.5% | 60.9%-12.4pp | 68.7%-20.3pp | 69.5%-21.1pp |
| Annual return | 18.16% | 20.25%-2.1pp | 20.65%-2.5pp | 73.15%-55.0pp |
| Employer contribution / active EE | $580 | $1,616-64.1% | $2,460-76.4% | $2,343-75.2% |
| Participant deferral / active EE | $3,029 | $2,386+27.0% | $3,438-11.9% | $3,332-9.1% |
| Admin fee / account holder | $1,643 | $3,653-55.0% | $5,558-70.4% | $4,645-64.6% |