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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 | $34,511 | $63,764-45.9% | $81,926-57.9% | $79,858-56.8% |
| Participation rate | 42.5% | 67.5%-25.0pp | 72.0%-29.5pp | 69.6%-27.1pp |
| Annual return | 11.68% | 22.66%-11.0pp | 29.49%-17.8pp | 31.72%-20.0pp |
| Employer contribution / active EE | $668 | $1,795-62.8% | $4,310-84.5% | $2,471-73.0% |
| Participant deferral / active EE | $1,741 | $2,780-37.4% | $7,108-75.5% | $3,740-53.5% |
| Admin fee / account holder | $625 | $4,426-85.9% | $5,159-87.9% | $5,306-88.2% |