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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 | $29,737 | $57,590-48.4% | $86,233-65.5% | $82,448-63.9% |
| Participation rate | 35.9% | 57.9%-21.9pp | 69.0%-33.1pp | 68.1%-32.1pp |
| Annual return | 18.03% | 22.41%-4.4pp | 61.39%-43.4pp | 41.64%-23.6pp |
| Employer contribution / active EE | $899 | $1,655-45.7% | $2,504-64.1% | $2,551-64.7% |
| Participant deferral / active EE | $2,062 | $3,080-33.1% | $4,559-54.8% | $4,139-50.2% |
| Admin fee / account holder | $530 | $4,730-88.8% | $8,342-93.6% | $7,234-92.7% |