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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 | $39,772 | $63,456-37.3% | $100,712-60.5% | $64,097-37.9% |
| Participation rate | 29.0% | 49.7%-20.7pp | 69.3%-40.3pp | 55.2%-26.2pp |
| Annual return | 18.52% | 19.65%-1.1pp | 33.27%-14.8pp | 34.64%-16.1pp |
| Employer contribution / active EE | $697 | $1,003-30.5% | $2,313-69.9% | $1,891-63.1% |
| Participant deferral / active EE | $1,291 | $2,463-47.6% | $4,085-68.4% | $3,080-58.1% |
| Admin fee / account holder | $4,027 | $4,808-16.2% | $9,256-56.5% | $3,454+16.6% |