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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 | $38,048 | $48,118-20.9% | $136,833-72.2% | $94,015-59.5% |
| Participation rate | 34.4% | 47.4%-13.0pp | 59.0%-24.6pp | 70.8%-36.4pp |
| Annual return | 21.14% | 14.65%+6.5pp | 35.32%-14.2pp | 17.84%+3.3pp |
| Employer contribution / active EE | $704 | $821-14.3% | $1,319-46.6% | $2,790-74.8% |
| Participant deferral / active EE | $1,496 | $1,651-9.4% | $2,441-38.7% | $4,249-64.8% |
| Admin fee / account holder | $1,243 | $3,059-59.4% | $4,706-73.6% | $8,951-86.1% |