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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 | $43,434 | $57,119-24.0% | $85,187-49.0% | $80,935-46.3% |
| Participation rate | 15.4% | 56.4%-41.0pp | 67.5%-52.1pp | 67.7%-52.3pp |
| Annual return | 14.80% | 21.70%-6.9pp | 66.67%-51.9pp | 35.66%-20.9pp |
| Employer contribution / active EE | $492 | $1,802-72.7% | $2,732-82.0% | $2,757-82.2% |
| Participant deferral / active EE | $1,120 | $3,115-64.1% | $4,525-75.3% | $4,299-74.0% |
| Admin fee / account holder | $5,270 | $4,990+5.6% | $6,162-14.5% | $6,924-23.9% |