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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 | $63,456-36.0% | $100,712-59.7% | $64,097-36.7% |
| Participation rate | 27.4% | 49.7%-22.2pp | 69.3%-41.9pp | 55.2%-27.8pp |
| Annual return | 26.65% | 19.65%+7.0pp | 33.27%-6.6pp | 34.64%-8.0pp |
| Employer contribution / active EE | $280 | $1,003-72.1% | $2,313-87.9% | $1,891-85.2% |
| Participant deferral / active EE | $1,626 | $2,463-34.0% | $4,085-60.2% | $3,080-47.2% |
| Admin fee / account holder | $2,940 | $4,808-38.8% | $9,256-68.2% | $3,454-14.9% |