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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 | $37,741 | $57,057-33.9% | $85,009-55.6% | $80,874-53.3% |
| Participation rate | 40.6% | 56.4%-15.7pp | 67.5%-26.9pp | 67.6%-27.0pp |
| Annual return | 12.40% | 21.66%-9.3pp | 66.47%-54.1pp | 35.62%-23.2pp |
| Employer contribution / active EE | $963 | $1,799-46.5% | $2,728-64.7% | $2,756-65.1% |
| Participant deferral / active EE | $2,693 | $3,112-13.4% | $4,522-40.4% | $4,297-37.3% |
| Admin fee / account holder | $789 | $4,986-84.2% | $6,153-87.2% | $6,935-88.6% |