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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 | $35,980 | $136,860-73.7% | $120,344-70.1% | $154,746-76.7% |
| Participation rate | 26.7% | 79.9%-53.2pp | 76.7%-50.0pp | 80.7%-54.0pp |
| Annual return | 10.59% | 21.38%-10.8pp | 20.30%-9.7pp | 172.34%-161.7pp |
| Employer contribution / active EE | $1,673 | $3,533-52.6% | $3,020-44.6% | $4,379-61.8% |
| Participant deferral / active EE | $3,376 | $5,793-41.7% | $5,135-34.2% | $6,730-49.8% |
| Admin fee / account holder | $15,362 | $15,393-0.2% | $12,742+20.6% | $14,365+6.9% |