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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 | $25,684 | $51,166-49.8% | $70,544-63.6% | $71,511-64.1% |
| Participation rate | 36.9% | 59.4%-22.4pp | 68.4%-31.4pp | 67.9%-31.0pp |
| Annual return | 34.19% | 42.71%-8.5pp | 32.79%+1.4pp | 28.86%+5.3pp |
| Employer contribution / active EE | $940 | $1,793-47.6% | $2,976-68.4% | $2,589-63.7% |
| Participant deferral / active EE | $1,421 | $3,031-53.1% | $4,568-68.9% | $4,291-66.9% |
| Admin fee / account holder | $1,719 | $2,000-14.0% | $6,427-73.3% | $1,588+8.2% |