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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 | $28,533 | $67,602-57.8% | $82,312-65.3% | $70,126-59.3% |
| Participation rate | 48.6% | 72.8%-24.2pp | 76.9%-28.3pp | 69.5%-21.0pp |
| Annual return | 20.53% | 21.57%-1.0pp | 25.88%-5.3pp | 73.15%-52.6pp |
| Employer contribution / active EE | $1,144 | $1,755-34.8% | $2,428-52.9% | $2,343-51.2% |
| Participant deferral / active EE | $1,886 | $2,987-36.9% | $3,706-49.1% | $3,332-43.4% |
| Admin fee / account holder | $1,147 | $4,512-74.6% | $5,608-79.6% | $4,645-75.3% |