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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 | $26,374 | $81,504-67.6% | $102,437-74.3% | $80,959-67.4% |
| Participation rate | 55.3% | 66.9%-11.5pp | 74.5%-19.2pp | 67.7%-12.3pp |
| Annual return | 11.06% | 25.60%-14.5pp | 24.95%-13.9pp | 35.67%-24.6pp |
| Employer contribution / active EE | $1,787 | $3,104-42.4% | $3,871-53.8% | $2,757-35.2% |
| Participant deferral / active EE | $3,966 | $3,871+2.5% | $5,060-21.6% | $4,300-7.8% |
| Admin fee / account holder | $1,833 | $6,719-72.7% | $8,388-78.1% | $6,925-73.5% |