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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 | $44,634 | $77,677-42.5% | $109,173-59.1% | $79,391-43.8% |
| Participation rate | 38.2% | 67.8%-29.6pp | 75.9%-37.7pp | 70.7%-32.5pp |
| Annual return | 15.82% | 23.44%-7.6pp | 25.75%-9.9pp | 116.88%-101.1pp |
| Employer contribution / active EE | $1,316 | $2,798-53.0% | $3,723-64.7% | $2,428-45.8% |
| Participant deferral / active EE | $2,232 | $3,517-36.5% | $4,654-52.0% | $4,046-44.8% |
| Admin fee / account holder | $2,843 | $732+288.1% | $6,755-57.9% | $627+353.7% |