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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 | $37,873 | $81,487-53.5% | $102,412-63.0% | $80,935-53.2% |
| Participation rate | 38.3% | 66.8%-28.5pp | 74.5%-36.2pp | 67.7%-29.4pp |
| Annual return | 12.53% | 25.60%-13.1pp | 24.94%-12.4pp | 35.66%-23.1pp |
| Employer contribution / active EE | $1,083 | $3,103-65.1% | $3,870-72.0% | $2,757-60.7% |
| Participant deferral / active EE | $2,791 | $3,871-27.9% | $5,060-44.8% | $4,299-35.1% |
| Admin fee / account holder | $385 | $6,717-94.3% | $8,388-95.4% | $6,924-94.4% |