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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 | $86,938-54.2% | $102,423-61.1% | $80,925-50.8% |
| Participation rate | 56.8% | 72.4%-15.6pp | 76.5%-19.7pp | 67.7%-10.9pp |
| Annual return | 12.46% | 18.89%-6.4pp | 29.42%-17.0pp | 35.65%-23.2pp |
| Employer contribution / active EE | $850 | $2,369-64.1% | $3,023-71.9% | $2,756-69.2% |
| Participant deferral / active EE | $2,430 | $4,120-41.0% | $5,054-51.9% | $4,299-43.5% |
| Admin fee / account holder | $10,443 | $8,053+29.7% | $9,455+10.5% | $6,940+50.5% |