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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 | $28,541 | $153,311-81.4% | $109,313-73.9% | $273,972-89.6% |
| Participation rate | 50.0% | 80.1%-30.1pp | 71.3%-21.3pp | 83.0%-33.0pp |
| Annual return | 1.43% | 29.86%-28.4pp | 22.07%-20.6pp | 41.46%-40.0pp |
| Employer contribution / active EE | $935 | $5,619-83.4% | $3,892-76.0% | $4,869-80.8% |
| Participant deferral / active EE | $2,532 | $3,932-35.6% | $3,166-20.0% | $5,287-52.1% |
| Admin fee / account holder | $4,102 | $8,076-49.2% | $5,666-27.6% | $10,133-59.5% |