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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 | $25,748 | $43,075-40.2% | $74,577-65.5% | $62,881-59.1% |
| Participation rate | 48.8% | 58.1%-9.3pp | 68.1%-19.3pp | 69.3%-20.5pp |
| Annual return | 11.41% | 17.50%-6.1pp | 20.47%-9.1pp | 20.14%-8.7pp |
| Employer contribution / active EE | $1,964 | $1,498+31.2% | $2,525-22.2% | $2,281-13.9% |
| Participant deferral / active EE | $3,516 | $2,389+47.2% | $3,458+1.7% | $3,203+9.8% |
| Admin fee / account holder | $828 | $2,840-70.8% | $4,138-80.0% | $4,296-80.7% |