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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 | $29,246 | $58,627-50.1% | $76,735-61.9% | $82,448-64.5% |
| Participation rate | 25.0% | 63.2%-38.2pp | 69.5%-44.5pp | 68.1%-43.1pp |
| Annual return | 17.79% | 39.10%-21.3pp | 29.77%-12.0pp | 41.64%-23.8pp |
| Employer contribution / active EE | $676 | $1,729-60.9% | $2,454-72.5% | $2,551-73.5% |
| Participant deferral / active EE | $1,190 | $3,134-62.0% | $4,088-70.9% | $4,139-71.3% |
| Admin fee / account holder | $4,331 | $5,323-18.6% | $7,189-39.8% | $7,234-40.1% |