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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 | $31,819 | $67,602-52.9% | $82,312-61.3% | $70,126-54.6% |
| Participation rate | 50.0% | 72.8%-22.8pp | 76.9%-26.9pp | 69.5%-19.5pp |
| Annual return | 19.51% | 21.57%-2.1pp | 25.88%-6.4pp | 73.15%-53.6pp |
| Employer contribution / active EE | $1,291 | $1,755-26.5% | $2,428-46.9% | $2,343-44.9% |
| Participant deferral / active EE | $2,477 | $2,987-17.1% | $3,706-33.2% | $3,332-25.7% |
| Admin fee / account holder | $1,938 | $4,512-57.0% | $5,608-65.4% | $4,645-58.3% |