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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 | $44,928 | $57,061-21.3% | $85,063-47.2% | $80,911-44.5% |
| Participation rate | 40.0% | 56.3%-16.3pp | 67.5%-27.5pp | 67.6%-27.6pp |
| Annual return | 18.32% | 21.66%-3.3pp | 66.54%-48.2pp | 35.63%-17.3pp |
| Employer contribution / active EE | $891 | $1,799-50.5% | $2,727-67.3% | $2,756-67.7% |
| Participant deferral / active EE | $2,119 | $3,110-31.9% | $4,523-53.1% | $4,297-50.7% |
| Admin fee / account holder | $557 | $4,986-88.8% | $6,155-90.9% | $6,935-92.0% |