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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 | $29,345 | $81,476-64.0% | $102,383-71.3% | $80,925-63.7% |
| Participation rate | 51.9% | 66.8%-14.9pp | 74.5%-22.6pp | 67.7%-15.7pp |
| Annual return | 14.34% | 25.59%-11.3pp | 24.94%-10.6pp | 35.65%-21.3pp |
| Employer contribution / active EE | $1,217 | $3,105-60.8% | $3,870-68.6% | $2,756-55.8% |
| Participant deferral / active EE | $2,024 | $3,871-47.7% | $5,060-60.0% | $4,299-52.9% |
| Admin fee / account holder | $1,056 | $6,717-84.3% | $8,391-87.4% | $6,940-84.8% |