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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 | $51,361 | $97,550-47.3% | $120,344-57.3% | $87,485-41.3% |
| Participation rate | 50.0% | 72.8%-22.8pp | 76.7%-26.7pp | 68.9%-18.9pp |
| Annual return | 12.66% | 18.41%-5.8pp | 20.30%-7.6pp | 26.06%-13.4pp |
| Employer contribution / active EE | $1,017 | $2,291-55.6% | $3,020-66.3% | $2,596-60.8% |
| Participant deferral / active EE | $2,627 | $4,230-37.9% | $5,135-48.8% | $4,274-38.5% |
| Admin fee / account holder | $1,910 | $9,543-80.0% | $12,742-85.0% | $7,775-75.4% |