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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 | $76,834-42.8% | $108,359-59.4% | $87,485-49.8% |
| Participation rate | 55.3% | 61.7%-6.4pp | 70.1%-14.8pp | 68.9%-13.6pp |
| Annual return | 18.51% | 19.09%-0.6pp | 36.89%-18.4pp | 26.06%-7.6pp |
| Employer contribution / active EE | $570 | $1,556-63.4% | $2,399-76.3% | $2,596-78.1% |
| Participant deferral / active EE | $3,575 | $3,100+15.3% | $4,137-13.6% | $4,274-16.4% |
| Admin fee / account holder | $3,560 | $6,537-45.5% | $9,741-63.5% | $7,775-54.2% |