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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 | $29,632 | $87,546-66.2% | $75,784-60.9% | $125,389-76.4% |
| Participation rate | 46.2% | 80.2%-34.0pp | 75.8%-29.7pp | 83.2%-37.0pp |
| Annual return | 0.35% | 13.49%-13.1pp | 9.68%-9.3pp | 282.24%-281.9pp |
| Employer contribution / active EE | $1,104 | $3,930-71.9% | $3,323-66.8% | $4,866-77.3% |
| Participant deferral / active EE | $1,511 | $4,230-64.3% | $3,652-58.6% | $5,352-71.8% |
| Admin fee / account holder | $1,848 | $6,503-71.6% | $5,300-65.1% | $9,541-80.6% |