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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 | $86,919-63.6% | $102,457-69.1% | $80,911-60.9% |
| Participation rate | 43.5% | 72.4%-28.9pp | 76.5%-33.0pp | 67.6%-24.2pp |
| Annual return | 13.91% | 18.90%-5.0pp | 29.41%-15.5pp | 35.63%-21.7pp |
| Employer contribution / active EE | $1,705 | $2,368-28.0% | $3,022-43.6% | $2,756-38.1% |
| Participant deferral / active EE | $4,083 | $4,119-0.9% | $5,054-19.2% | $4,297-5.0% |
| Admin fee / account holder | $4,927 | $8,049-38.8% | $9,451-47.9% | $6,935-29.0% |