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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 | $53,420 | $63,082-15.3% | $81,716-34.6% | $79,852-33.1% |
| Participation rate | 28.1% | 67.5%-39.4pp | 72.0%-43.9pp | 69.6%-41.5pp |
| Annual return | 12.33% | 22.66%-10.3pp | 29.49%-17.2pp | 31.72%-19.4pp |
| Employer contribution / active EE | $400 | $1,795-77.7% | $4,310-90.7% | $2,471-83.8% |
| Participant deferral / active EE | $1,409 | $2,780-49.3% | $7,108-80.2% | $3,740-62.3% |
| Admin fee / account holder | $5,861 | $4,428+32.3% | $5,159+13.6% | $5,306+10.4% |