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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 | $26,368 | $41,377-36.3% | $109,313-75.9% | $62,881-58.1% |
| Participation rate | 39.5% | 57.5%-18.0pp | 71.3%-31.7pp | 69.3%-29.8pp |
| Annual return | 8.73% | 11.05%-2.3pp | 22.07%-13.3pp | 20.14%-11.4pp |
| Employer contribution / active EE | $1,175 | $1,276-7.9% | $3,892-69.8% | $2,281-48.5% |
| Participant deferral / active EE | $2,478 | $2,045+21.1% | $3,166-21.8% | $3,203-22.6% |
| Admin fee / account holder | $1,925 | $2,884-33.3% | $5,666-66.0% | $4,296-55.2% |