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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 | $39,697 | $73,787-46.2% | $98,716-59.8% | $82,448-51.9% |
| Participation rate | 36.6% | 61.4%-24.8pp | 69.3%-32.7pp | 68.1%-31.5pp |
| Annual return | 17.77% | 18.57%-0.8pp | 31.81%-14.0pp | 41.64%-23.9pp |
| Employer contribution / active EE | $754 | $1,511-50.1% | $2,279-66.9% | $2,551-70.4% |
| Participant deferral / active EE | $2,542 | $3,081-17.5% | $4,048-37.2% | $4,139-38.6% |
| Admin fee / account holder | $438 | $6,500-93.3% | $8,703-95.0% | $7,234-93.9% |