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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 | $47,060 | $71,215-33.9% | $93,696-49.8% | $80,935-41.9% |
| Participation rate | 43.2% | 60.4%-17.2pp | 68.7%-25.5pp | 67.7%-24.5pp |
| Annual return | 14.95% | 11.27%+3.7pp | 133.74%-118.8pp | 35.66%-20.7pp |
| Employer contribution / active EE | $632 | $1,565-59.6% | $2,422-73.9% | $2,757-77.1% |
| Participant deferral / active EE | $1,917 | $4,037-52.5% | $4,417-56.6% | $4,299-55.4% |
| Admin fee / account holder | $551 | $6,958-92.1% | $8,287-93.4% | $6,924-92.0% |