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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 | $33,618 | $73,823-54.5% | $379,746-91.1% | $73,493-54.3% |
| Participation rate | 52.4% | 73.1%-20.7pp | 78.4%-26.0pp | 70.7%-18.3pp |
| Annual return | 22.24% | 29.06%-6.8pp | 34.90%-12.7pp | 28.51%-6.3pp |
| Employer contribution / active EE | $1,286 | $2,472-48.0% | $3,540-63.7% | $2,270-43.3% |
| Participant deferral / active EE | $2,326 | $4,038-42.4% | $6,024-61.4% | $3,740-37.8% |
| Admin fee / account holder | $801 | $607+32.0% | $7,927-89.9% | $513+56.1% |