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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 | $29,067 | $45,312-35.9% | $86,233-66.3% | $67,986-57.2% |
| Participation rate | 24.0% | 42.4%-18.5pp | 69.0%-45.0pp | 57.2%-33.2pp |
| Annual return | 14.72% | 24.79%-10.1pp | 61.39%-46.7pp | 31.67%-16.9pp |
| Employer contribution / active EE | $327 | $1,160-71.8% | $2,504-86.9% | $2,019-83.8% |
| Participant deferral / active EE | $1,044 | $2,185-52.2% | $4,559-77.1% | $3,358-68.9% |
| Admin fee / account holder | $6,554 | $3,295+98.9% | $8,342-21.4% | $3,203+104.6% |