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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 | $30,498 | $57,057-46.5% | $85,009-64.1% | $80,874-62.3% |
| Participation rate | 17.5% | 56.4%-38.9pp | 67.5%-50.0pp | 67.6%-50.1pp |
| Annual return | 15.97% | 21.66%-5.7pp | 66.47%-50.5pp | 35.62%-19.6pp |
| Employer contribution / active EE | $368 | $1,799-79.5% | $2,728-86.5% | $2,756-86.6% |
| Participant deferral / active EE | $1,537 | $3,112-50.6% | $4,522-66.0% | $4,297-64.2% |
| Admin fee / account holder | $2,504 | $4,986-49.8% | $6,153-59.3% | $6,935-63.9% |