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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 | $40,547 | $50,385-19.5% | $75,501-46.3% | $62,293-34.9% |
| Participation rate | 35.5% | 67.7%-32.2pp | 72.4%-36.8pp | 69.5%-34.0pp |
| Annual return | 15.58% | 19.90%-4.3pp | 27.35%-11.8pp | 28.90%-13.3pp |
| Employer contribution / active EE | $887 | $1,537-42.3% | $2,352-62.3% | $2,042-56.6% |
| Participant deferral / active EE | $1,474 | $2,445-39.7% | $3,142-53.1% | $3,169-53.5% |
| Admin fee / account holder | $769 | $384+100.1% | $5,801-86.7% | $479+60.4% |