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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 | $40,596 | $65,246-37.8% | $98,716-58.9% | $67,986-40.3% |
| Participation rate | 29.4% | 51.4%-22.0pp | 69.3%-39.9pp | 57.2%-27.8pp |
| Annual return | 15.63% | 20.58%-4.9pp | 31.81%-16.2pp | 31.67%-16.0pp |
| Employer contribution / active EE | $504 | $1,042-51.6% | $2,279-77.9% | $2,019-75.0% |
| Participant deferral / active EE | $1,512 | $2,594-41.7% | $4,048-62.6% | $3,358-55.0% |
| Admin fee / account holder | $510 | $4,561-88.8% | $8,703-94.1% | $3,203-84.1% |