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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 | $37,722 | $60,349-37.5% | $74,184-49.2% | $62,881-40.0% |
| Participation rate | 25.9% | 72.7%-46.8pp | 76.6%-50.7pp | 69.3%-43.4pp |
| Annual return | 10.64% | 21.38%-10.7pp | 17.74%-7.1pp | 20.14%-9.5pp |
| Employer contribution / active EE | $587 | $1,680-65.0% | $2,370-75.2% | $2,281-74.3% |
| Participant deferral / active EE | $3,001 | $2,856+5.1% | $3,550-15.5% | $3,203-6.3% |
| Admin fee / account holder | $3,152 | $4,261-26.0% | $5,586-43.6% | $4,296-26.6% |