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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 | $31,763 | $50,972-37.7% | $88,632-64.2% | $72,976-56.5% |
| Participation rate | 57.9% | 63.4%-5.5pp | 68.8%-10.9pp | 69.5%-11.6pp |
| Annual return | 18.06% | 29.62%-11.6pp | 43.75%-25.7pp | 81.02%-63.0pp |
| Employer contribution / active EE | $319 | $1,475-78.4% | $2,101-84.8% | $2,440-86.9% |
| Participant deferral / active EE | $1,390 | $2,230-37.7% | $2,917-52.4% | $3,608-61.5% |
| Admin fee / account holder | $4,428 | $3,230+37.1% | $4,308+2.8% | $5,124-13.6% |