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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 | $36,948+3.0% | $73,658-48.3% | $87,485-56.5% |
| Participation rate | 34.4% | 46.8%-12.4pp | 57.0%-22.7pp | 68.9%-34.6pp |
| Annual return | 21.14% | 28.64%-7.5pp | 29.72%-8.6pp | 26.06%-4.9pp |
| Employer contribution / active EE | $704 | $670+5.0% | $1,032-31.8% | $2,596-72.9% |
| Participant deferral / active EE | $1,496 | $1,379+8.5% | $2,062-27.5% | $4,274-65.0% |
| Admin fee / account holder | $1,243 | $2,531-50.9% | $3,357-63.0% | $7,775-84.0% |