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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 | $71,197-48.1% | $93,669-60.6% | $80,925-54.3% |
| Participation rate | 54.8% | 60.4%-5.6pp | 68.7%-13.9pp | 67.7%-12.8pp |
| Annual return | 9.98% | 11.27%-1.3pp | 133.59%-123.6pp | 35.65%-25.7pp |
| Employer contribution / active EE | $1,082 | $1,565-30.9% | $2,424-55.4% | $2,756-60.7% |
| Participant deferral / active EE | $2,091 | $4,036-48.2% | $4,416-52.6% | $4,299-51.4% |
| Admin fee / account holder | $844 | $6,959-87.9% | $8,291-89.8% | $6,940-87.8% |