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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 | $34,058 | $36,140-5.8% | $73,658-53.8% | $64,340-47.1% |
| Participation rate | 37.1% | 31.0%+6.1pp | 57.0%-19.9pp | 55.2%-18.1pp |
| Annual return | 17.76% | 21.48%-3.7pp | 29.72%-12.0pp | 24.14%-6.4pp |
| Employer contribution / active EE | $0 | $443-100.0% | $1,032-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,520 | $1,023+48.6% | $2,062-26.3% | $2,980-49.0% |
| Admin fee / account holder | $1,815 | $2,513-27.8% | $3,357-45.9% | $3,703-51.0% |