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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 | $43,955 | $83,898-47.6% | $133,346-67.0% | $94,015-53.2% |
| Participation rate | 55.3% | 63.4%-8.0pp | 72.8%-17.5pp | 70.8%-15.5pp |
| Annual return | 18.51% | 16.00%+2.5pp | 36.85%-18.3pp | 17.84%+0.7pp |
| Employer contribution / active EE | $570 | $1,821-68.7% | $2,853-80.0% | $2,790-79.6% |
| Participant deferral / active EE | $3,575 | $3,245+10.2% | $4,332-17.5% | $4,249-15.9% |
| Admin fee / account holder | $3,560 | $7,809-54.4% | $14,264-75.0% | $8,951-60.2% |