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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 | $38,324 | $99,345-61.4% | $84,753-54.8% | $273,972-86.0% |
| Participation rate | 54.2% | 80.7%-26.5pp | 76.6%-22.4pp | 83.0%-28.8pp |
| Annual return | 6.87% | 22.93%-16.1pp | 22.78%-15.9pp | 41.46%-34.6pp |
| Employer contribution / active EE | $985 | $4,214-76.6% | $3,574-72.5% | $4,869-79.8% |
| Participant deferral / active EE | $1,920 | $4,270-55.0% | $3,712-48.3% | $5,287-63.7% |
| Admin fee / account holder | $2,411 | $6,645-63.7% | $5,333-54.8% | $10,133-76.2% |