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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 | $43,860 | $56,894-22.9% | $84,753-48.2% | $62,881-30.2% |
| Participation rate | 33.3% | 68.5%-35.2pp | 76.6%-43.3pp | 69.3%-36.0pp |
| Annual return | 6.00% | 6.30%-0.3pp | 22.78%-16.8pp | 20.14%-14.1pp |
| Employer contribution / active EE | $798 | $2,400-66.7% | $3,574-77.7% | $2,281-65.0% |
| Participant deferral / active EE | $1,381 | $2,709-49.0% | $3,712-62.8% | $3,203-56.9% |
| Admin fee / account holder | $2,972 | $3,581-17.0% | $5,333-44.3% | $4,296-30.8% |