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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 | $39,807 | $57,590-30.9% | $86,233-53.8% | $82,448-51.7% |
| Participation rate | 6.9% | 57.9%-51.0pp | 69.0%-62.1pp | 68.1%-61.2pp |
| Annual return | 14.18% | 22.41%-8.2pp | 61.39%-47.2pp | 41.64%-27.5pp |
| Employer contribution / active EE | $287 | $1,655-82.6% | $2,504-88.5% | $2,551-88.7% |
| Participant deferral / active EE | $833 | $3,080-72.9% | $4,559-81.7% | $4,139-79.9% |
| Admin fee / account holder | $4,679 | $4,730-1.1% | $8,342-43.9% | $7,234-35.3% |