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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 | $37,816 | $69,444-45.5% | $92,985-59.3% | $87,485-56.8% |
| Participation rate | 54.8% | 63.3%-8.5pp | 69.5%-14.7pp | 68.9%-14.2pp |
| Annual return | 12.92% | 23.85%-10.9pp | 27.99%-15.1pp | 26.06%-13.1pp |
| Employer contribution / active EE | $434 | $1,917-77.3% | $2,662-83.7% | $2,596-83.3% |
| Participant deferral / active EE | $1,545 | $3,364-54.1% | $4,377-64.7% | $4,274-63.9% |
| Admin fee / account holder | $5,666 | $6,137-7.7% | $9,463-40.1% | $7,775-27.1% |