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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 | $36,945 | $71,057-48.0% | $93,654-60.6% | $80,874-54.3% |
| Participation rate | 54.8% | 60.4%-5.6pp | 68.7%-13.9pp | 67.6%-12.8pp |
| Annual return | 9.98% | 11.26%-1.3pp | 133.34%-123.4pp | 35.62%-25.6pp |
| Employer contribution / active EE | $1,082 | $1,564-30.8% | $2,421-55.3% | $2,756-60.7% |
| Participant deferral / active EE | $2,091 | $4,034-48.2% | $4,413-52.6% | $4,297-51.3% |
| Admin fee / account holder | $844 | $6,944-87.8% | $8,282-89.8% | $6,935-87.8% |