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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 | $41,675 | $78,015-46.6% | $178,505-76.7% | $80,959-48.5% |
| Participation rate | 42.9% | 65.7%-22.8pp | 77.1%-34.3pp | 67.7%-24.8pp |
| Annual return | 13.79% | 18.10%-4.3pp | 27.16%-13.4pp | 35.67%-21.9pp |
| Employer contribution / active EE | $869 | $2,281-61.9% | $3,955-78.0% | $2,757-68.5% |
| Participant deferral / active EE | $3,194 | $4,406-27.5% | $6,280-49.2% | $4,300-25.7% |
| Admin fee / account holder | $373 | $7,160-94.8% | $10,428-96.4% | $6,925-94.6% |