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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 | $34,662 | $51,166-32.3% | $70,544-50.9% | $71,511-51.5% |
| Participation rate | 33.0% | 59.4%-26.4pp | 68.4%-35.4pp | 67.9%-34.9pp |
| Annual return | 22.55% | 42.71%-20.2pp | 32.79%-10.2pp | 28.86%-6.3pp |
| Employer contribution / active EE | $937 | $1,793-47.8% | $2,976-68.5% | $2,589-63.8% |
| Participant deferral / active EE | $1,886 | $3,031-37.8% | $4,568-58.7% | $4,291-56.1% |
| Admin fee / account holder | $1,173 | $2,000-41.3% | $6,427-81.7% | $1,588-26.1% |