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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 | $32,973 | $64,462-48.8% | $81,482-59.5% | $80,911-59.2% |
| Participation rate | 52.8% | 63.9%-11.1pp | 69.5%-16.7pp | 67.6%-14.9pp |
| Annual return | 16.87% | 16.35%+0.5pp | 24.79%-7.9pp | 35.63%-18.8pp |
| Employer contribution / active EE | $1,056 | $1,979-46.6% | $2,463-57.1% | $2,756-61.7% |
| Participant deferral / active EE | $3,394 | $3,094+9.7% | $3,885-12.6% | $4,297-21.0% |
| Admin fee / account holder | $1,782 | $5,678-68.6% | $5,761-69.1% | $6,935-74.3% |