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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 | $36,140-8.2% | $73,658-55.0% | $64,340-48.4% |
| Participation rate | 18.1% | 31.0%-13.0pp | 57.0%-39.0pp | 55.2%-37.2pp |
| Annual return | 18.71% | 21.48%-2.8pp | 29.72%-11.0pp | 24.14%-5.4pp |
| Employer contribution / active EE | $203 | $443-54.1% | $1,032-80.3% | $1,862-89.1% |
| Participant deferral / active EE | $777 | $1,023-24.0% | $2,062-62.3% | $2,980-73.9% |
| Admin fee / account holder | $4,182 | $2,513+66.4% | $3,357+24.6% | $3,703+13.0% |