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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 | $33,291 | $57,590-42.2% | $86,233-61.4% | $82,448-59.6% |
| Participation rate | 44.4% | 57.9%-13.4pp | 69.0%-24.6pp | 68.1%-23.6pp |
| Annual return | 20.39% | 22.41%-2.0pp | 61.39%-41.0pp | 41.64%-21.2pp |
| Employer contribution / active EE | $899 | $1,655-45.7% | $2,504-64.1% | $2,551-64.7% |
| Participant deferral / active EE | $2,340 | $3,080-24.0% | $4,559-48.7% | $4,139-43.5% |
| Admin fee / account holder | $4,455 | $4,730-5.8% | $8,342-46.6% | $7,234-38.4% |