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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 | $63,904-32.1% | $89,340-51.4% | $67,986-36.1% |
| Participation rate | 17.8% | 54.3%-36.6pp | 69.6%-51.8pp | 57.2%-39.4pp |
| Annual return | 15.87% | 18.09%-2.2pp | 20.57%-4.7pp | 31.67%-15.8pp |
| Employer contribution / active EE | $564 | $1,627-65.3% | $2,231-74.7% | $2,019-72.0% |
| Participant deferral / active EE | $1,150 | $2,691-57.3% | $3,823-69.9% | $3,358-65.8% |
| Admin fee / account holder | $3,883 | $3,315+17.2% | $6,704-42.1% | $3,203+21.2% |