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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 | $27,997 | $61,605-54.6% | $112,273-75.1% | $75,181-62.8% |
| Participation rate | 48.0% | 61.7%-13.7pp | 72.4%-24.4pp | 67.2%-19.2pp |
| Annual return | 24.21% | 28.47%-4.3pp | 30.23%-6.0pp | 160.69%-136.5pp |
| Employer contribution / active EE | $769 | $2,015-61.9% | $3,431-77.6% | $2,671-71.2% |
| Participant deferral / active EE | $1,747 | $3,108-43.8% | $4,800-63.6% | $4,126-57.6% |
| Admin fee / account holder | $473 | $4,862-90.3% | $7,752-93.9% | $5,650-91.6% |