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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 | $34,798 | $74,535-53.3% | $100,712-65.4% | $82,637-57.9% |
| Participation rate | 24.4% | 61.2%-36.8pp | 69.3%-44.9pp | 68.1%-43.6pp |
| Annual return | 21.01% | 18.92%+2.1pp | 33.27%-12.3pp | 53.51%-32.5pp |
| Employer contribution / active EE | $908 | $1,503-39.5% | $2,313-60.7% | $2,552-64.4% |
| Participant deferral / active EE | $1,623 | $3,074-47.2% | $4,085-60.3% | $4,126-60.7% |
| Admin fee / account holder | $1,500 | $6,576-77.2% | $9,256-83.8% | $7,339-79.6% |