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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 | $38,987 | $69,590-44.0% | $136,867-71.5% | $94,015-58.5% |
| Participation rate | 42.9% | 66.3%-23.5pp | 74.5%-31.7pp | 70.8%-28.0pp |
| Annual return | 13.57% | 19.62%-6.1pp | 42.97%-29.4pp | 17.84%-4.3pp |
| Employer contribution / active EE | $848 | $2,396-64.6% | $3,547-76.1% | $2,790-69.6% |
| Participant deferral / active EE | $1,819 | $3,437-47.1% | $4,924-63.1% | $4,249-57.2% |
| Admin fee / account holder | $398 | $8,912-95.5% | $10,340-96.2% | $8,951-95.6% |