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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 | $31,363 | $81,262-61.4% | $155,602-79.8% | $80,911-61.2% |
| Participation rate | 40.6% | 66.2%-25.6pp | 78.2%-37.6pp | 67.6%-27.0pp |
| Annual return | 14.35% | 33.34%-19.0pp | 64.81%-50.5pp | 35.63%-21.3pp |
| Employer contribution / active EE | $809 | $3,102-73.9% | $4,675-82.7% | $2,756-70.6% |
| Participant deferral / active EE | $2,080 | $3,451-39.7% | $5,629-63.0% | $4,297-51.6% |
| Admin fee / account holder | $6,955 | $7,992-13.0% | $15,923-56.3% | $6,935+0.3% |