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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 | $44,382 | $72,471-38.8% | $94,215-52.9% | $86,983-49.0% |
| Participation rate | 40.5% | 63.9%-23.3pp | 70.0%-29.4pp | 69.5%-29.0pp |
| Annual return | 16.86% | 26.44%-9.6pp | 28.22%-11.4pp | 25.83%-9.0pp |
| Employer contribution / active EE | $784 | $1,936-59.5% | $2,675-70.7% | $2,584-69.7% |
| Participant deferral / active EE | $2,540 | $3,397-25.2% | $4,276-40.6% | $4,194-39.4% |
| Admin fee / account holder | $856 | $6,468-86.8% | $10,216-91.6% | $7,856-89.1% |