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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 | $38,176 | $85,515-55.4% | $112,040-65.9% | $67,986-43.8% |
| Participation rate | 35.4% | 68.2%-32.8pp | 76.5%-41.1pp | 57.2%-21.8pp |
| Annual return | 18.54% | 29.68%-11.1pp | 24.52%-6.0pp | 31.67%-13.1pp |
| Employer contribution / active EE | $1,254 | $2,191-42.8% | $2,954-57.6% | $2,019-37.9% |
| Participant deferral / active EE | $2,645 | $4,014-34.1% | $5,098-48.1% | $3,358-21.2% |
| Admin fee / account holder | $1,340 | $3,774-64.5% | $12,098-88.9% | $3,203-58.2% |