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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 | $45,753 | $69,977-34.6% | $108,582-57.9% | $62,881-27.2% |
| Participation rate | 37.5% | 72.9%-35.4pp | 79.6%-42.1pp | 69.3%-31.8pp |
| Annual return | 4.97% | 10.73%-5.8pp | -51.70%+56.7pp | 20.14%-15.2pp |
| Employer contribution / active EE | $1,280 | $2,135-40.0% | $3,758-65.9% | $2,281-43.9% |
| Participant deferral / active EE | $2,725 | $3,165-13.9% | $4,311-36.8% | $3,203-14.9% |
| Admin fee / account holder | $642 | $5,076-87.3% | $7,645-91.6% | $4,296-85.0% |