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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 | $30,821 | $57,590-46.5% | $86,233-64.3% | $82,448-62.6% |
| Participation rate | 29.6% | 57.9%-28.2pp | 69.0%-39.4pp | 68.1%-38.4pp |
| Annual return | 16.91% | 22.41%-5.5pp | 61.39%-44.5pp | 41.64%-24.7pp |
| Employer contribution / active EE | $415 | $1,655-75.0% | $2,504-83.4% | $2,551-83.7% |
| Participant deferral / active EE | $1,076 | $3,080-65.1% | $4,559-76.4% | $4,139-74.0% |
| Admin fee / account holder | $1,169 | $4,730-75.3% | $8,342-86.0% | $7,234-83.8% |