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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 | $39,967 | $86,050-53.6% | $189,758-78.9% | $94,015-57.5% |
| Participation rate | 45.6% | 68.9%-23.3pp | 79.8%-34.2pp | 70.8%-25.2pp |
| Annual return | 18.25% | 17.77%+0.5pp | 52.62%-34.4pp | 17.84%+0.4pp |
| Employer contribution / active EE | $895 | $2,819-68.2% | $4,767-81.2% | $2,790-67.9% |
| Participant deferral / active EE | $1,924 | $3,349-42.6% | $5,856-67.2% | $4,249-54.7% |
| Admin fee / account holder | $396 | $6,627-94.0% | $20,388-98.1% | $8,951-95.6% |