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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 | $37,611 | $74,535-49.5% | $100,712-62.7% | $82,637-54.5% |
| Participation rate | 33.3% | 61.2%-27.8pp | 69.3%-35.9pp | 68.1%-34.7pp |
| Annual return | 20.90% | 18.92%+2.0pp | 33.27%-12.4pp | 53.51%-32.6pp |
| Employer contribution / active EE | $586 | $1,503-61.0% | $2,313-74.7% | $2,552-77.0% |
| Participant deferral / active EE | $1,698 | $3,074-44.7% | $4,085-58.4% | $4,126-58.8% |
| Admin fee / account holder | $4,434 | $6,576-32.6% | $9,256-52.1% | $7,339-39.6% |