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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 | $28,588 | $81,358-64.9% | $155,556-81.6% | $80,959-64.7% |
| Participation rate | 46.3% | 66.3%-19.9pp | 78.2%-31.9pp | 67.7%-21.3pp |
| Annual return | 14.70% | 33.39%-18.7pp | 64.84%-50.1pp | 35.67%-21.0pp |
| Employer contribution / active EE | $1,058 | $3,106-65.9% | $4,675-77.4% | $2,757-61.6% |
| Participant deferral / active EE | $2,472 | $3,455-28.5% | $5,631-56.1% | $4,300-42.5% |
| Admin fee / account holder | $773 | $7,994-90.3% | $15,885-95.1% | $6,925-88.8% |