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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 | $32,929 | $112,729-70.8% | $98,716-66.6% | $137,256-76.0% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.3%-19.3pp | 80.0%-30.0pp |
| Annual return | 13.96% | 38.48%-24.5pp | 31.81%-17.9pp | 220.34%-206.4pp |
| Employer contribution / active EE | $1,286 | $2,725-52.8% | $2,279-43.6% | $4,156-69.1% |
| Participant deferral / active EE | $2,673 | $4,640-42.4% | $4,048-34.0% | $6,407-58.3% |
| Admin fee / account holder | $7,274 | $10,129-28.2% | $8,703-16.4% | $12,270-40.7% |