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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 | $59,440-50.8% | $78,004-62.5% | $82,637-64.6% |
| Participation rate | 25.0% | 62.8%-37.8pp | 69.4%-44.4pp | 68.1%-43.1pp |
| Annual return | 17.79% | 40.24%-22.4pp | 31.07%-13.3pp | 53.51%-35.7pp |
| Employer contribution / active EE | $676 | $1,750-61.4% | $2,469-72.6% | $2,552-73.5% |
| Participant deferral / active EE | $1,190 | $3,138-62.1% | $4,092-70.9% | $4,126-71.2% |
| Admin fee / account holder | $4,331 | $5,504-21.3% | $7,578-42.8% | $7,339-41.0% |