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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 | $28,306 | $57,061-50.4% | $85,063-66.7% | $80,911-65.0% |
| Participation rate | 58.1% | 56.3%+1.7pp | 67.5%-9.4pp | 67.6%-9.6pp |
| Annual return | 15.03% | 21.66%-6.6pp | 66.54%-51.5pp | 35.63%-20.6pp |
| Employer contribution / active EE | $327 | $1,799-81.8% | $2,727-88.0% | $2,756-88.1% |
| Participant deferral / active EE | $1,980 | $3,110-36.3% | $4,523-56.2% | $4,297-53.9% |
| Admin fee / account holder | $1,527 | $4,986-69.4% | $6,155-75.2% | $6,935-78.0% |