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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 | $43,291 | $50,192-13.7% | $108,359-60.0% | $64,728-33.1% |
| Participation rate | 28.3% | 41.8%-13.5pp | 70.1%-41.8pp | 57.9%-29.6pp |
| Annual return | 13.98% | 14.22%-0.2pp | 36.89%-22.9pp | 49.38%-35.4pp |
| Employer contribution / active EE | $494 | $1,117-55.8% | $2,399-79.4% | $2,243-78.0% |
| Participant deferral / active EE | $891 | $1,676-46.8% | $4,137-78.5% | $2,729-67.4% |
| Admin fee / account holder | $1,800 | $2,161-16.7% | $9,741-81.5% | $1,145+57.2% |