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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 | $38,433 | $75,541-49.1% | $152,093-74.7% | $82,637-53.5% |
| Participation rate | 39.2% | 66.5%-27.3pp | 77.8%-38.6pp | 68.1%-28.8pp |
| Annual return | 19.81% | 32.56%-12.8pp | 66.36%-46.6pp | 53.51%-33.7pp |
| Employer contribution / active EE | $890 | $2,622-66.1% | $4,175-78.7% | $2,552-65.1% |
| Participant deferral / active EE | $2,591 | $3,206-19.2% | $5,451-52.5% | $4,126-37.2% |
| Admin fee / account holder | $1,604 | $6,405-75.0% | $14,497-88.9% | $7,339-78.1% |