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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 | $61,387 | $81,358-24.5% | $155,556-60.5% | $80,959-24.2% |
| Participation rate | 39.0% | 66.3%-27.2pp | 78.2%-39.2pp | 67.7%-28.6pp |
| Annual return | 14.06% | 33.39%-19.3pp | 64.84%-50.8pp | 35.67%-21.6pp |
| Employer contribution / active EE | $1,177 | $3,106-62.1% | $4,675-74.8% | $2,757-57.3% |
| Participant deferral / active EE | $2,329 | $3,455-32.6% | $5,631-58.6% | $4,300-45.8% |
| Admin fee / account holder | $13,752 | $7,994+72.0% | $15,885-13.4% | $6,925+98.6% |