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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 | $43,421 | $64,734-32.9% | $90,796-52.2% | $64,097-32.3% |
| Participation rate | 17.8% | 53.2%-35.4pp | 69.5%-51.7pp | 55.2%-37.4pp |
| Annual return | 15.87% | 17.77%-1.9pp | 19.29%-3.4pp | 34.64%-18.8pp |
| Employer contribution / active EE | $564 | $1,703-66.9% | $2,294-75.4% | $1,891-70.2% |
| Participant deferral / active EE | $1,150 | $2,629-56.3% | $3,822-69.9% | $3,080-62.7% |
| Admin fee / account holder | $3,883 | $3,474+11.8% | $7,024-44.7% | $3,454+12.4% |