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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 | $27,636 | $59,123-53.3% | $77,183-64.2% | $75,181-63.2% |
| Participation rate | 44.8% | 63.9%-19.0pp | 69.6%-24.8pp | 67.2%-22.4pp |
| Annual return | 17.39% | 26.72%-9.3pp | 37.89%-20.5pp | 160.69%-143.3pp |
| Employer contribution / active EE | $986 | $1,996-50.6% | $2,534-61.1% | $2,671-63.1% |
| Participant deferral / active EE | $1,740 | $2,999-42.0% | $3,833-54.6% | $4,126-57.8% |
| Admin fee / account holder | $566 | $4,776-88.1% | $5,475-89.7% | $5,650-90.0% |