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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 | $41,603 | $63,845-34.8% | $81,370-48.9% | $80,959-48.6% |
| Participation rate | 35.8% | 63.9%-28.0pp | 69.5%-33.7pp | 67.7%-31.8pp |
| Annual return | 19.72% | 16.37%+3.3pp | 24.85%-5.1pp | 35.67%-15.9pp |
| Employer contribution / active EE | $531 | $1,980-73.2% | $2,464-78.4% | $2,757-80.7% |
| Participant deferral / active EE | $2,335 | $3,093-24.5% | $3,885-39.9% | $4,300-45.7% |
| Admin fee / account holder | $8,517 | $5,688+49.7% | $5,749+48.1% | $6,925+23.0% |