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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 | $38,366 | $36,948+3.8% | $73,658-47.9% | $87,485-56.1% |
| Participation rate | 6.9% | 46.8%-39.9pp | 57.0%-50.1pp | 68.9%-62.0pp |
| Annual return | 17.01% | 28.64%-11.6pp | 29.72%-12.7pp | 26.06%-9.0pp |
| Employer contribution / active EE | $1,888 | $670+181.8% | $1,032+82.9% | $2,596-27.3% |
| Participant deferral / active EE | $2,293 | $1,379+66.3% | $2,062+11.2% | $4,274-46.3% |
| Admin fee / account holder | $12,589 | $2,531+397.4% | $3,357+275.0% | $7,775+61.9% |