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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 | $35,954 | $63,082-43.0% | $81,716-56.0% | $79,852-55.0% |
| Participation rate | 27.5% | 67.5%-40.0pp | 72.0%-44.5pp | 69.6%-42.1pp |
| Annual return | 17.81% | 22.66%-4.9pp | 29.49%-11.7pp | 31.72%-13.9pp |
| Employer contribution / active EE | $1,120 | $1,795-37.6% | $4,310-74.0% | $2,471-54.7% |
| Participant deferral / active EE | $2,223 | $2,780-20.1% | $7,108-68.7% | $3,740-40.6% |
| Admin fee / account holder | $4,578 | $4,428+3.4% | $5,159-11.3% | $5,306-13.7% |