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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 | $39,626 | $51,166-22.6% | $70,544-43.8% | $71,511-44.6% |
| Participation rate | 31.4% | 59.4%-28.0pp | 68.4%-37.0pp | 67.9%-36.6pp |
| Annual return | 17.49% | 42.71%-25.2pp | 32.79%-15.3pp | 28.86%-11.4pp |
| Employer contribution / active EE | $977 | $1,793-45.5% | $2,976-67.2% | $2,589-62.3% |
| Participant deferral / active EE | $1,628 | $3,031-46.3% | $4,568-64.4% | $4,291-62.1% |
| Admin fee / account holder | $3,012 | $2,000+50.6% | $6,427-53.1% | $1,588+89.6% |