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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 | $31,815 | $57,590-44.8% | $86,233-63.1% | $82,448-61.4% |
| Participation rate | 36.2% | 57.9%-21.7pp | 69.0%-32.8pp | 68.1%-31.9pp |
| Annual return | 17.73% | 22.41%-4.7pp | 61.39%-43.7pp | 41.64%-23.9pp |
| Employer contribution / active EE | $1,110 | $1,655-32.9% | $2,504-55.7% | $2,551-56.5% |
| Participant deferral / active EE | $1,234 | $3,080-60.0% | $4,559-72.9% | $4,139-70.2% |
| Admin fee / account holder | $3,347 | $4,730-29.2% | $8,342-59.9% | $7,234-53.7% |