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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 | $59,335-51.0% | $129,031-77.5% | $69,733-58.3% |
| Participation rate | 24.0% | 43.3%-19.3pp | 73.4%-49.4pp | 62.5%-38.5pp |
| Annual return | 14.72% | 19.52%-4.8pp | 34.67%-19.9pp | 15.22%-0.5pp |
| Employer contribution / active EE | $327 | $1,639-80.0% | $3,226-89.8% | $2,250-85.4% |
| Participant deferral / active EE | $1,044 | $2,485-58.0% | $5,217-80.0% | $3,054-65.8% |
| Admin fee / account holder | $6,554 | $3,940+66.3% | $13,208-50.4% | $3,102+111.3% |