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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 | $83,587 | $87,544-4.5% | $75,784+10.3% | $125,388-33.3% |
| Participation rate | 41.7% | 80.2%-38.5pp | 75.8%-34.2pp | 83.2%-41.5pp |
| Annual return | 1.28% | 13.49%-12.2pp | 9.68%-8.4pp | 282.24%-281.0pp |
| Employer contribution / active EE | $631 | $3,930-83.9% | $3,323-81.0% | $4,866-87.0% |
| Participant deferral / active EE | $1,314 | $4,229-68.9% | $3,652-64.0% | $5,352-75.4% |
| Admin fee / account holder | $3,794 | $6,502-41.7% | $5,300-28.4% | $9,541-60.2% |