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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 | $34,482 | $81,403-57.6% | $147,027-76.5% | $87,485-60.6% |
| Participation rate | 29.1% | 63.4%-34.3pp | 73.7%-44.7pp | 68.9%-39.8pp |
| Annual return | 22.20% | 16.51%+5.7pp | 20.23%+2.0pp | 26.06%-3.9pp |
| Employer contribution / active EE | $897 | $2,205-59.3% | $3,626-75.3% | $2,596-65.5% |
| Participant deferral / active EE | $1,439 | $3,315-56.6% | $4,933-70.8% | $4,274-66.3% |
| Admin fee / account holder | $1,503 | $6,755-77.8% | $12,223-87.7% | $7,775-80.7% |