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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 | $33,178 | $41,824-20.7% | $136,833-75.8% | $69,733-52.4% |
| Participation rate | 18.1% | 29.3%-11.3pp | 59.0%-41.0pp | 62.5%-44.4pp |
| Annual return | 18.71% | 13.53%+5.2pp | 35.32%-16.6pp | 15.22%+3.5pp |
| Employer contribution / active EE | $203 | $494-58.8% | $1,319-84.6% | $2,250-91.0% |
| Participant deferral / active EE | $777 | $1,105-29.7% | $2,441-68.2% | $3,054-74.6% |
| Admin fee / account holder | $4,182 | $2,895+44.5% | $4,706-11.1% | $3,102+34.8% |