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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 | $30,815 | $37,156-17.1% | $83,854-63.3% | $86,983-64.6% |
| Participation rate | 28.6% | 49.1%-20.5pp | 59.1%-30.5pp | 69.5%-41.0pp |
| Annual return | 17.99% | 29.88%-11.9pp | 31.39%-13.4pp | 25.83%-7.8pp |
| Employer contribution / active EE | $696 | $661+5.3% | $1,017-31.6% | $2,584-73.1% |
| Participant deferral / active EE | $1,858 | $1,418+31.1% | $2,035-8.7% | $4,194-55.7% |
| Admin fee / account holder | $1,535 | $2,510-38.8% | $3,197-52.0% | $7,856-80.5% |