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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 | $35,279 | $89,515-60.6% | $103,486-65.9% | $80,935-56.4% |
| Participation rate | 29.6% | 76.0%-46.4pp | 80.5%-51.0pp | 67.7%-38.1pp |
| Annual return | 17.28% | 22.82%-5.5pp | 23.93%-6.6pp | 35.66%-18.4pp |
| Employer contribution / active EE | $1,112 | $4,015-72.3% | $4,679-76.2% | $2,757-59.7% |
| Participant deferral / active EE | $2,211 | $5,463-59.5% | $6,628-66.6% | $4,299-48.6% |
| Admin fee / account holder | $6,927 | $6,527+6.1% | $9,354-25.9% | $6,9240% |