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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 | $34,876 | $87,166-60.0% | $76,735-54.6% | $137,256-74.6% |
| Participation rate | 55.0% | 74.4%-19.4pp | 69.5%-14.5pp | 80.0%-25.0pp |
| Annual return | 17.70% | 26.50%-8.8pp | 29.77%-12.1pp | 220.34%-202.6pp |
| Employer contribution / active EE | $936 | $2,904-67.8% | $2,454-61.9% | $4,156-77.5% |
| Participant deferral / active EE | $1,224 | $4,726-74.1% | $4,088-70.1% | $6,407-80.9% |
| Admin fee / account holder | $307 | $8,403-96.4% | $7,189-95.7% | $12,270-97.5% |