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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 | $57,119-46.6% | $85,187-64.2% | $80,935-62.3% |
| Participation rate | 17.5% | 56.4%-38.9pp | 67.5%-50.0pp | 67.7%-50.2pp |
| Annual return | 15.97% | 21.70%-5.7pp | 66.67%-50.7pp | 35.66%-19.7pp |
| Employer contribution / active EE | $368 | $1,802-79.6% | $2,732-86.5% | $2,757-86.7% |
| Participant deferral / active EE | $1,537 | $3,115-50.7% | $4,525-66.0% | $4,299-64.3% |
| Admin fee / account holder | $2,504 | $4,990-49.8% | $6,162-59.4% | $6,924-63.8% |