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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 | $38,451 | $72,273-46.8% | $101,275-62.0% | $79,856-51.8% |
| Participation rate | 51.4% | 68.5%-17.1pp | 75.8%-24.5pp | 69.6%-18.3pp |
| Annual return | 11.56% | 22.30%-10.7pp | 46.48%-34.9pp | 31.71%-20.1pp |
| Employer contribution / active EE | $666 | $2,691-75.2% | $3,660-81.8% | $2,471-73.0% |
| Participant deferral / active EE | $1,972 | $3,282-39.9% | $4,371-54.9% | $3,741-47.3% |
| Admin fee / account holder | $16,251 | $4,401+269.2% | $5,948+173.2% | $5,306+206.3% |