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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 | $39,815 | $86,949-54.2% | $102,460-61.1% | $80,959-50.8% |
| Participation rate | 56.8% | 72.4%-15.6pp | 76.5%-19.8pp | 67.7%-10.9pp |
| Annual return | 12.46% | 18.89%-6.4pp | 29.47%-17.0pp | 35.67%-23.2pp |
| Employer contribution / active EE | $850 | $2,370-64.1% | $3,025-71.9% | $2,757-69.2% |
| Participant deferral / active EE | $2,430 | $4,121-41.0% | $5,056-51.9% | $4,300-43.5% |
| Admin fee / account holder | $10,443 | $8,048+29.8% | $9,460+10.4% | $6,925+50.8% |