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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 | $34,430 | $47,848-28.0% | $81,473-57.7% | $70,126-50.9% |
| Participation rate | 33.8% | 58.3%-24.4pp | 68.0%-34.1pp | 69.5%-35.7pp |
| Annual return | 21.00% | 27.25%-6.2pp | 38.78%-17.8pp | 73.15%-52.2pp |
| Employer contribution / active EE | $490 | $1,527-67.9% | $2,568-80.9% | $2,343-79.1% |
| Participant deferral / active EE | $1,149 | $2,453-53.1% | $3,537-67.5% | $3,332-65.5% |
| Admin fee / account holder | $1,450 | $3,145-53.9% | $4,561-68.2% | $4,645-68.8% |