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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 | $30,350 | $81,358-62.7% | $155,556-80.5% | $80,959-62.5% |
| Participation rate | 36.6% | 66.3%-29.7pp | 78.2%-41.6pp | 67.7%-31.1pp |
| Annual return | 12.90% | 33.39%-20.5pp | 64.84%-51.9pp | 35.67%-22.8pp |
| Employer contribution / active EE | $509 | $3,106-83.6% | $4,675-89.1% | $2,757-81.5% |
| Participant deferral / active EE | $5,568 | $3,455+61.1% | $5,631-1.1% | $4,300+29.5% |
| Admin fee / account holder | $9,451 | $7,994+18.2% | $15,885-40.5% | $6,925+36.5% |