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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 | $41,002 | $57,590-28.8% | $86,233-52.5% | $82,448-50.3% |
| Participation rate | 15.2% | 57.9%-42.7pp | 69.0%-53.9pp | 68.1%-52.9pp |
| Annual return | 22.03% | 22.41%-0.4pp | 61.39%-39.4pp | 41.64%-19.6pp |
| Employer contribution / active EE | $374 | $1,655-77.4% | $2,504-85.1% | $2,551-85.3% |
| Participant deferral / active EE | $2,323 | $3,080-24.6% | $4,559-49.0% | $4,139-43.9% |
| Admin fee / account holder | $2,246 | $4,730-52.5% | $8,342-73.1% | $7,234-69.0% |