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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 | $29,303 | $57,119-48.7% | $85,187-65.6% | $80,935-63.8% |
| Participation rate | 38.3% | 56.4%-18.1pp | 67.5%-29.2pp | 67.7%-29.3pp |
| Annual return | 14.74% | 21.70%-7.0pp | 66.67%-51.9pp | 35.66%-20.9pp |
| Employer contribution / active EE | $790 | $1,802-56.1% | $2,732-71.1% | $2,757-71.3% |
| Participant deferral / active EE | $1,944 | $3,115-37.6% | $4,525-57.0% | $4,299-54.8% |
| Admin fee / account holder | $11,231 | $4,990+125.1% | $6,162+82.3% | $6,924+62.2% |