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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 | $27,720 | $59,804-53.6% | $81,982-66.2% | $79,856-65.3% |
| Participation rate | 55.3% | 61.6%-6.4pp | 69.3%-14.0pp | 69.6%-14.4pp |
| Annual return | 16.90% | 17.56%-0.7pp | 41.31%-24.4pp | 31.71%-14.8pp |
| Employer contribution / active EE | $975 | $1,713-43.1% | $2,498-61.0% | $2,471-60.6% |
| Participant deferral / active EE | $1,509 | $2,695-44.0% | $3,722-59.5% | $3,741-59.6% |
| Admin fee / account holder | $4,984 | $4,288+16.2% | $5,665-12.0% | $5,306-6.1% |