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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 | $47,330 | $105,623-55.2% | $87,502-45.9% | $273,972-82.7% |
| Participation rate | 60.0% | 78.2%-18.2pp | 73.8%-13.8pp | 83.0%-23.0pp |
| Annual return | 4.06% | 12.26%-8.2pp | 12.21%-8.2pp | 41.46%-37.4pp |
| Employer contribution / active EE | $1,339 | $3,141-57.4% | $2,550-47.5% | $4,869-72.5% |
| Participant deferral / active EE | $2,607 | $3,601-27.6% | $3,149-17.2% | $5,287-50.7% |
| Admin fee / account holder | $1,038 | $4,781-78.3% | $4,221-75.4% | $10,133-89.8% |