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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 | $31,651 | $65,361-51.6% | $92,903-65.9% | $72,983-56.6% |
| Participation rate | 45.9% | 68.3%-22.4pp | 76.0%-30.1pp | 69.5%-23.5pp |
| Annual return | 21.80% | 42.11%-20.3pp | 109.43%-87.6pp | 81.01%-59.2pp |
| Employer contribution / active EE | $909 | $2,594-64.9% | $3,653-75.1% | $2,440-62.7% |
| Participant deferral / active EE | $1,801 | $3,128-42.4% | $4,238-57.5% | $3,608-50.1% |
| Admin fee / account holder | $428 | $4,251-89.9% | $5,795-92.6% | $5,124-91.7% |