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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 | $28,749 | $77,962-63.1% | $178,540-83.9% | $80,935-64.5% |
| Participation rate | 34.9% | 65.7%-30.8pp | 77.1%-42.2pp | 67.7%-32.8pp |
| Annual return | 17.77% | 18.10%-0.3pp | 27.15%-9.4pp | 35.66%-17.9pp |
| Employer contribution / active EE | $1,089 | $2,280-52.2% | $3,953-72.4% | $2,757-60.5% |
| Participant deferral / active EE | $2,888 | $4,404-34.4% | $6,281-54.0% | $4,299-32.8% |
| Admin fee / account holder | $996 | $7,156-86.1% | $10,424-90.4% | $6,924-85.6% |