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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 | $31,989 | $72,492-55.9% | $87,102-63.3% | $72,983-56.2% |
| Participation rate | 46.3% | 72.8%-26.5pp | 76.9%-30.6pp | 69.5%-23.2pp |
| Annual return | 21.49% | 24.46%-3.0pp | 28.19%-6.7pp | 81.01%-59.5pp |
| Employer contribution / active EE | $992 | $1,894-47.6% | $2,521-60.7% | $2,440-59.3% |
| Participant deferral / active EE | $2,350 | $3,270-28.1% | $4,048-42.0% | $3,608-34.9% |
| Admin fee / account holder | $1,538 | $5,055-69.6% | $7,491-79.5% | $5,124-70.0% |