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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 | $75,541-55.7% | $152,093-78.0% | $82,637-59.5% |
| Participation rate | 44.0% | 66.5%-22.5pp | 77.8%-33.8pp | 68.1%-24.1pp |
| Annual return | 13.82% | 32.56%-18.7pp | 66.36%-52.5pp | 53.51%-39.7pp |
| Employer contribution / active EE | $974 | $2,622-62.8% | $4,175-76.7% | $2,552-61.8% |
| Participant deferral / active EE | $1,034 | $3,206-67.7% | $5,451-81.0% | $4,126-74.9% |
| Admin fee / account holder | $2,439 | $6,405-61.9% | $14,497-83.2% | $7,339-66.8% |