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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 | $39,930 | $97,125-58.9% | $86,233-53.7% | $137,256-70.9% |
| Participation rate | 36.4% | 74.2%-37.8pp | 69.0%-32.7pp | 80.0%-43.6pp |
| Annual return | 19.46% | 74.19%-54.7pp | 61.39%-41.9pp | 220.34%-200.9pp |
| Employer contribution / active EE | $463 | $2,841-83.7% | $2,504-81.5% | $4,156-88.8% |
| Participant deferral / active EE | $1,603 | $5,180-69.1% | $4,559-64.8% | $6,407-75.0% |
| Admin fee / account holder | $1,378 | $9,725-85.8% | $8,342-83.5% | $12,270-88.8% |