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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 | $40,327 | $91,120-55.7% | $161,149-75.0% | $64,097-37.1% |
| Participation rate | 56.1% | 62.2%-6.1pp | 78.8%-22.7pp | 55.2%+0.9pp |
| Annual return | 12.85% | 17.95%-5.1pp | 21.16%-8.3pp | 34.64%-21.8pp |
| Employer contribution / active EE | $727 | $2,284-68.2% | $4,360-83.3% | $1,891-61.6% |
| Participant deferral / active EE | $1,743 | $3,708-53.0% | $6,153-71.7% | $3,080-43.4% |
| Admin fee / account holder | $2,081 | $4,535-54.1% | $15,194-86.3% | $3,454-39.8% |