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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 | $41,403 | $72,027-42.5% | $185,835-77.7% | $79,852-48.2% |
| Participation rate | 44.3% | 65.8%-21.5pp | 78.0%-33.8pp | 69.6%-25.4pp |
| Annual return | 22.97% | 23.13%-0.2pp | 35.96%-13.0pp | 31.72%-8.7pp |
| Employer contribution / active EE | $374 | $1,965-80.9% | $4,087-90.8% | $2,471-84.8% |
| Participant deferral / active EE | $2,044 | $3,780-45.9% | $5,633-63.7% | $3,740-45.4% |
| Admin fee / account holder | $8,779 | $4,513+94.5% | $9,502-7.6% | $5,306+65.4% |