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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 | $28,208 | $72,492-61.1% | $87,104-67.6% | $72,975-61.3% |
| Participation rate | 44.4% | 72.8%-28.4pp | 76.9%-32.4pp | 69.5%-25.0pp |
| Annual return | 22.77% | 24.46%-1.7pp | 28.19%-5.4pp | 81.01%-58.2pp |
| Employer contribution / active EE | $1,126 | $1,894-40.6% | $2,521-55.4% | $2,440-53.9% |
| Participant deferral / active EE | $2,393 | $3,270-26.8% | $4,048-40.9% | $3,608-33.7% |
| Admin fee / account holder | $477 | $5,055-90.6% | $7,491-93.6% | $5,124-90.7% |