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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 | $41,594 | $73,787-43.6% | $98,716-57.9% | $82,448-49.6% |
| Participation rate | 50.0% | 61.4%-11.4pp | 69.3%-19.3pp | 68.1%-18.1pp |
| Annual return | 13.89% | 18.57%-4.7pp | 31.81%-17.9pp | 41.64%-27.7pp |
| Employer contribution / active EE | $340 | $1,511-77.5% | $2,279-85.1% | $2,551-86.7% |
| Participant deferral / active EE | $1,754 | $3,081-43.1% | $4,048-56.7% | $4,139-57.6% |
| Admin fee / account holder | $3,011 | $6,500-53.7% | $8,703-65.4% | $7,234-58.4% |