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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 | $34,999 | $81,487-57.1% | $102,412-65.8% | $80,935-56.8% |
| Participation rate | 30.2% | 66.8%-36.7pp | 74.5%-44.3pp | 67.7%-37.5pp |
| Annual return | 23.86% | 25.60%-1.7pp | 24.94%-1.1pp | 35.66%-11.8pp |
| Employer contribution / active EE | $1,076 | $3,103-65.3% | $3,870-72.2% | $2,757-61.0% |
| Participant deferral / active EE | $2,069 | $3,871-46.5% | $5,060-59.1% | $4,299-51.9% |
| Admin fee / account holder | $3,773 | $6,717-43.8% | $8,388-55.0% | $6,924-45.5% |