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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 | $26,532 | $75,541-64.9% | $152,093-82.6% | $82,637-67.9% |
| Participation rate | 47.8% | 66.5%-18.7pp | 77.8%-29.9pp | 68.1%-20.2pp |
| Annual return | 21.34% | 32.56%-11.2pp | 66.36%-45.0pp | 53.51%-32.2pp |
| Employer contribution / active EE | $1,433 | $2,622-45.3% | $4,175-65.7% | $2,552-43.8% |
| Participant deferral / active EE | $3,692 | $3,206+15.2% | $5,451-32.3% | $4,126-10.5% |
| Admin fee / account holder | $1,158 | $6,405-81.9% | $14,497-92.0% | $7,339-84.2% |