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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 | $29,426 | $81,504-63.9% | $102,437-71.3% | $80,959-63.7% |
| Participation rate | 50.0% | 66.9%-16.9pp | 74.5%-24.5pp | 67.7%-17.7pp |
| Annual return | 12.49% | 25.60%-13.1pp | 24.95%-12.5pp | 35.67%-23.2pp |
| Employer contribution / active EE | $1,666 | $3,104-46.3% | $3,871-57.0% | $2,757-39.6% |
| Participant deferral / active EE | $2,811 | $3,871-27.4% | $5,060-44.4% | $4,300-34.6% |
| Admin fee / account holder | $5,242 | $6,719-22.0% | $8,388-37.5% | $6,925-24.3% |