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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 | $59,427 | $76,696-22.5% | $96,538-38.4% | $71,529-16.9% |
| Participation rate | 39.8% | 66.6%-26.8pp | 74.3%-34.5pp | 67.9%-28.1pp |
| Annual return | 30.91% | 48.32%-17.4pp | 35.74%-4.8pp | 28.97%+1.9pp |
| Employer contribution / active EE | $1,286 | $3,032-57.6% | $3,740-65.6% | $2,590-50.3% |
| Participant deferral / active EE | $2,196 | $3,770-41.8% | $4,880-55.0% | $4,291-48.8% |
| Admin fee / account holder | $2,088 | $2,030+2.9% | $6,737-69.0% | $1,588+31.4% |