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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 | $31,612 | $86,940-63.6% | $102,434-69.1% | $80,935-60.9% |
| Participation rate | 43.5% | 72.4%-28.9pp | 76.5%-33.0pp | 67.7%-24.2pp |
| Annual return | 13.91% | 18.89%-5.0pp | 29.46%-15.5pp | 35.66%-21.7pp |
| Employer contribution / active EE | $1,705 | $2,370-28.0% | $3,023-43.6% | $2,757-38.1% |
| Participant deferral / active EE | $4,083 | $4,121-0.9% | $5,055-19.2% | $4,299-5.0% |
| Admin fee / account holder | $4,927 | $8,047-38.8% | $9,462-47.9% | $6,924-28.8% |