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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 | $38,859 | $72,269-46.2% | $101,271-61.6% | $79,852-51.3% |
| Participation rate | 50.8% | 68.5%-17.6pp | 75.8%-25.0pp | 69.6%-18.8pp |
| Annual return | 15.50% | 22.29%-6.8pp | 46.48%-31.0pp | 31.72%-16.2pp |
| Employer contribution / active EE | $635 | $2,692-76.4% | $3,660-82.6% | $2,471-74.3% |
| Participant deferral / active EE | $1,577 | $3,282-52.0% | $4,371-63.9% | $3,740-57.8% |
| Admin fee / account holder | $5,701 | $4,401+29.5% | $5,948-4.1% | $5,306+7.4% |