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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 | $35,627 | $57,061-37.6% | $85,063-58.1% | $80,911-56.0% |
| Participation rate | 38.0% | 56.3%-18.3pp | 67.5%-29.5pp | 67.6%-29.6pp |
| Annual return | 14.70% | 21.66%-7.0pp | 66.54%-51.8pp | 35.63%-20.9pp |
| Employer contribution / active EE | $1,432 | $1,799-20.4% | $2,727-47.5% | $2,756-48.0% |
| Participant deferral / active EE | $2,411 | $3,110-22.5% | $4,523-46.7% | $4,297-43.9% |
| Admin fee / account holder | $4,078 | $4,986-18.2% | $6,155-33.7% | $6,935-41.2% |