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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 | $29,340 | $59,440-50.6% | $78,004-62.4% | $82,637-64.5% |
| Participation rate | 26.6% | 62.8%-36.3pp | 69.4%-42.9pp | 68.1%-41.5pp |
| Annual return | 13.35% | 40.24%-26.9pp | 31.07%-17.7pp | 53.51%-40.2pp |
| Employer contribution / active EE | $427 | $1,750-75.6% | $2,469-82.7% | $2,552-83.3% |
| Participant deferral / active EE | $1,941 | $3,138-38.2% | $4,092-52.6% | $4,126-53.0% |
| Admin fee / account holder | $7,080 | $5,504+28.6% | $7,578-6.6% | $7,339-3.5% |