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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 | $36,904 | $93,064-60.3% | $74,577-50.5% | $273,972-86.5% |
| Participation rate | 57.1% | 74.9%-17.8pp | 68.1%-11.0pp | 83.0%-25.9pp |
| Annual return | 12.87% | 26.18%-13.3pp | 20.47%-7.6pp | 41.46%-28.6pp |
| Employer contribution / active EE | $1,426 | $3,160-54.9% | $2,525-43.5% | $4,869-70.7% |
| Participant deferral / active EE | $3,312 | $4,160-20.4% | $3,458-4.2% | $5,287-37.4% |
| Admin fee / account holder | $874 | $5,273-83.4% | $4,138-78.9% | $10,133-91.4% |