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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 | $44,655 | $62,589-28.7% | $76,768-41.8% | $64,173-30.4% |
| Participation rate | 30.8% | 72.8%-42.0pp | 77.0%-46.2pp | 69.6%-38.8pp |
| Annual return | 4.22% | -1.95%+6.2pp | 2.43%+1.8pp | 7.63%-3.4pp |
| Employer contribution / active EE | $887 | $1,832-51.6% | $2,485-64.3% | $2,381-62.7% |
| Participant deferral / active EE | $2,032 | $3,145-35.4% | $3,852-47.3% | $3,470-41.4% |
| Admin fee / account holder | $409 | $4,667-91.2% | $6,675-93.9% | $4,887-91.6% |