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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 | $33,435 | $76,407-56.2% | $150,298-77.8% | $82,448-59.4% |
| Participation rate | 44.0% | 66.4%-22.4pp | 77.8%-33.8pp | 68.1%-24.1pp |
| Annual return | 13.82% | 39.99%-26.2pp | 62.79%-49.0pp | 41.64%-27.8pp |
| Employer contribution / active EE | $974 | $2,614-62.7% | $4,154-76.5% | $2,551-61.8% |
| Participant deferral / active EE | $1,034 | $3,214-67.8% | $5,453-81.0% | $4,139-75.0% |
| Admin fee / account holder | $2,439 | $6,352-61.6% | $14,116-82.7% | $7,234-66.3% |