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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 | $26,864 | $55,932-52.0% | $76,735-65.0% | $67,986-60.5% |
| Participation rate | 31.8% | 50.8%-19.0pp | 69.5%-37.7pp | 57.2%-25.4pp |
| Annual return | 17.61% | 23.10%-5.5pp | 29.77%-12.2pp | 31.67%-14.1pp |
| Employer contribution / active EE | $597 | $1,487-59.8% | $2,454-75.7% | $2,019-70.4% |
| Participant deferral / active EE | $1,745 | $2,558-31.8% | $4,088-57.3% | $3,358-48.0% |
| Admin fee / account holder | $1,176 | $4,907-76.0% | $7,189-83.6% | $3,203-63.3% |