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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 | $33,480 | $70,002-52.2% | $115,038-70.9% | $52,331-36.0% |
| Participation rate | 41.6% | 72.1%-30.5pp | 81.4%-39.8pp | 68.1%-26.5pp |
| Annual return | 2.35% | 4.04%-1.7pp | 26.14%-23.8pp | 4.54%-2.2pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $4,608-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $5,205 | $4,920+5.8% | $6,026-13.6% | $3,022+72.2% |
| Admin fee / account holder | $472 | $566-16.6% | $8,175-94.2% | $592-20.2% |