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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 | $28,831 | $81,262-64.5% | $155,602-81.5% | $80,911-64.4% |
| Participation rate | 35.2% | 66.2%-31.0pp | 78.2%-43.0pp | 67.6%-32.4pp |
| Annual return | 16.66% | 33.34%-16.7pp | 64.81%-48.1pp | 35.63%-19.0pp |
| Employer contribution / active EE | $515 | $3,102-83.4% | $4,675-89.0% | $2,756-81.3% |
| Participant deferral / active EE | $2,279 | $3,451-34.0% | $5,629-59.5% | $4,297-47.0% |
| Admin fee / account holder | $3,667 | $7,992-54.1% | $15,923-77.0% | $6,935-47.1% |