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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 | $38,781 | $41,016-5.4% | $152,093-74.5% | $64,097-39.5% |
| Participation rate | 28.5% | 51.3%-22.8pp | 77.8%-49.3pp | 55.2%-26.7pp |
| Annual return | 22.61% | 39.60%-17.0pp | 66.36%-43.7pp | 34.64%-12.0pp |
| Employer contribution / active EE | $822 | $1,342-38.7% | $4,175-80.3% | $1,891-56.5% |
| Participant deferral / active EE | $1,678 | $1,927-13.0% | $5,451-69.2% | $3,080-45.5% |
| Admin fee / account holder | $4,192 | $2,305+81.8% | $14,497-71.1% | $3,454+21.3% |