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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 | $30,588 | $57,828-47.1% | $117,039-73.9% | $70,126-56.4% |
| Participation rate | 20.0% | 67.1%-47.1pp | 77.2%-57.2pp | 69.5%-49.5pp |
| Annual return | 21.13% | 17.55%+3.6pp | 18.95%+2.2pp | 73.15%-52.0pp |
| Employer contribution / active EE | $669 | $1,816-63.2% | $3,785-82.3% | $2,343-71.4% |
| Participant deferral / active EE | $1,855 | $2,438-23.9% | $3,929-52.8% | $3,332-44.3% |
| Admin fee / account holder | $4,842 | $3,548+36.5% | $5,974-18.9% | $4,645+4.2% |