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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 | $36,693 | $47,848-23.3% | $81,473-55.0% | $70,126-47.7% |
| Participation rate | 46.5% | 58.3%-11.8pp | 68.0%-21.4pp | 69.5%-23.0pp |
| Annual return | 21.52% | 27.25%-5.7pp | 38.78%-17.3pp | 73.15%-51.6pp |
| Employer contribution / active EE | $580 | $1,527-62.0% | $2,568-77.4% | $2,343-75.2% |
| Participant deferral / active EE | $1,457 | $2,453-40.6% | $3,537-58.8% | $3,332-56.3% |
| Admin fee / account holder | $364 | $3,145-88.4% | $4,561-92.0% | $4,645-92.2% |