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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 | $31,557 | $86,949-63.7% | $102,460-69.2% | $80,959-61.0% |
| Participation rate | 54.7% | 72.4%-17.7pp | 76.5%-21.9pp | 67.7%-13.0pp |
| Annual return | 26.96% | 18.89%+8.1pp | 29.47%-2.5pp | 35.67%-8.7pp |
| Employer contribution / active EE | $1,786 | $2,370-24.6% | $3,025-41.0% | $2,757-35.2% |
| Participant deferral / active EE | $3,450 | $4,121-16.3% | $5,056-31.8% | $4,300-19.8% |
| Admin fee / account holder | $772 | $8,048-90.4% | $9,460-91.8% | $6,925-88.9% |