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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 | $34,724 | $81,262-57.3% | $155,602-77.7% | $80,911-57.1% |
| Participation rate | 50.8% | 66.2%-15.4pp | 78.2%-27.4pp | 67.6%-16.8pp |
| Annual return | 16.00% | 33.34%-17.3pp | 64.81%-48.8pp | 35.63%-19.6pp |
| Employer contribution / active EE | $581 | $3,102-81.3% | $4,675-87.6% | $2,756-78.9% |
| Participant deferral / active EE | $3,447 | $3,451-0.1% | $5,629-38.8% | $4,297-19.8% |
| Admin fee / account holder | $903 | $7,992-88.7% | $15,923-94.3% | $6,935-87.0% |