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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 | $38,587 | $49,657-22.3% | $93,063-58.5% | $67,986-43.2% |
| Participation rate | 34.8% | 49.9%-15.1pp | 72.1%-37.3pp | 57.2%-22.4pp |
| Annual return | 15.82% | 26.27%-10.5pp | 34.15%-18.3pp | 31.67%-15.8pp |
| Employer contribution / active EE | $544 | $1,279-57.4% | $2,476-78.0% | $2,019-73.0% |
| Participant deferral / active EE | $1,796 | $2,484-27.7% | $3,958-54.6% | $3,358-46.5% |
| Admin fee / account holder | $2,892 | $2,843+1.7% | $6,033-52.1% | $3,203-9.7% |