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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 | $51,169-15.4% | $108,753-60.2% | $65,191-33.6% |
| Participation rate | 28.3% | 47.1%-18.8pp | 71.1%-42.8pp | 63.0%-34.7pp |
| Annual return | 13.98% | 15.72%-1.7pp | 37.47%-23.5pp | 51.24%-37.3pp |
| Employer contribution / active EE | $494 | $1,535-67.8% | $2,427-79.6% | $2,400-79.4% |
| Participant deferral / active EE | $891 | $1,765-49.5% | $4,115-78.3% | $2,671-66.6% |
| Admin fee / account holder | $1,800 | $1,722+4.5% | $10,320-82.6% | $907+98.5% |