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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 | $29,800 | $48,078-38.0% | $78,676-62.1% | $62,881-52.6% |
| Participation rate | 63.8% | 65.2%-1.4pp | 73.6%-9.8pp | 69.3%-5.5pp |
| Annual return | 6.27% | 31.36%-25.1pp | 62.19%-55.9pp | 20.14%-13.9pp |
| Employer contribution / active EE | $401 | $2,015-80.1% | $2,850-85.9% | $2,281-82.4% |
| Participant deferral / active EE | $2,468 | $2,587-4.6% | $3,517-29.8% | $3,203-22.9% |
| Admin fee / account holder | $3,969 | $3,206+23.8% | $4,510-12.0% | $4,296-7.6% |