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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 | $30,009 | $46,599-35.6% | $64,101-53.2% | $75,173-60.1% |
| Participation rate | 53.6% | 65.9%-12.4pp | 72.3%-18.7pp | 67.2%-13.6pp |
| Annual return | 12.91% | 26.06%-13.2pp | 33.72%-20.8pp | 160.72%-147.8pp |
| Employer contribution / active EE | $513 | $1,975-74.0% | $2,749-81.3% | $2,671-80.8% |
| Participant deferral / active EE | $3,146 | $2,837+10.9% | $3,881-18.9% | $4,126-23.8% |
| Admin fee / account holder | $6,184 | $2,956+109.2% | $3,070+101.4% | $5,651+9.4% |