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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 | $40,598 | $67,638-40.0% | $133,346-69.6% | $69,733-41.8% |
| Participation rate | 27.4% | 54.3%-26.8pp | 72.8%-45.4pp | 62.5%-35.0pp |
| Annual return | 26.65% | 13.38%+13.3pp | 36.85%-10.2pp | 15.22%+11.4pp |
| Employer contribution / active EE | $280 | $1,177-76.3% | $2,853-90.2% | $2,250-87.6% |
| Participant deferral / active EE | $1,626 | $2,567-36.7% | $4,332-62.5% | $3,054-46.8% |
| Admin fee / account holder | $2,940 | $4,814-38.9% | $14,264-79.4% | $3,102-5.2% |