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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 | $24,048 | $81,487-70.5% | $102,412-76.5% | $80,935-70.3% |
| Participation rate | 40.0% | 66.8%-26.8pp | 74.5%-34.5pp | 67.7%-27.7pp |
| Annual return | 13.16% | 25.60%-12.4pp | 24.94%-11.8pp | 35.66%-22.5pp |
| Employer contribution / active EE | $1,644 | $3,103-47.0% | $3,870-57.5% | $2,757-40.4% |
| Participant deferral / active EE | $3,213 | $3,871-17.0% | $5,060-36.5% | $4,299-25.3% |
| Admin fee / account holder | $6,659 | $6,717-0.9% | $8,388-20.6% | $6,924-3.8% |