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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 | $35,512 | $57,057-37.8% | $85,009-58.2% | $80,874-56.1% |
| Participation rate | 27.5% | 56.4%-28.9pp | 67.5%-40.0pp | 67.6%-40.1pp |
| Annual return | 11.98% | 21.66%-9.7pp | 66.47%-54.5pp | 35.62%-23.6pp |
| Employer contribution / active EE | $1,285 | $1,799-28.6% | $2,728-52.9% | $2,756-53.4% |
| Participant deferral / active EE | $2,683 | $3,112-13.8% | $4,522-40.7% | $4,297-37.6% |
| Admin fee / account holder | $1,840 | $4,986-63.1% | $6,153-70.1% | $6,935-73.5% |