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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 | $31,279 | $36,140-13.5% | $73,658-57.5% | $64,340-51.4% |
| Participation rate | 33.6% | 31.0%+2.6pp | 57.0%-23.5pp | 55.2%-21.7pp |
| Annual return | 13.83% | 21.48%-7.6pp | 29.72%-15.9pp | 24.14%-10.3pp |
| Employer contribution / active EE | $832 | $443+87.8% | $1,032-19.4% | $1,862-55.3% |
| Participant deferral / active EE | $2,393 | $1,023+134.0% | $2,062+16.0% | $2,980-19.7% |
| Admin fee / account holder | $596 | $2,513-76.3% | $3,357-82.2% | $3,703-83.9% |