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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 | $33,924 | $71,057-52.3% | $93,654-63.8% | $80,874-58.1% |
| Participation rate | 42.2% | 60.4%-18.2pp | 68.7%-26.5pp | 67.6%-25.5pp |
| Annual return | 12.53% | 11.26%+1.3pp | 133.34%-120.8pp | 35.62%-23.1pp |
| Employer contribution / active EE | $1,522 | $1,564-2.7% | $2,421-37.1% | $2,756-44.8% |
| Participant deferral / active EE | $2,827 | $4,034-29.9% | $4,413-35.9% | $4,297-34.2% |
| Admin fee / account holder | $9,415 | $6,944+35.6% | $8,282+13.7% | $6,935+35.8% |