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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 | $24,094 | $81,457-70.4% | $103,378-76.7% | $80,911-70.2% |
| Participation rate | 44.3% | 66.8%-22.6pp | 74.5%-30.2pp | 67.6%-23.4pp |
| Annual return | 18.14% | 25.58%-7.4pp | 24.91%-6.8pp | 35.63%-17.5pp |
| Employer contribution / active EE | $2,315 | $3,107-25.5% | $3,870-40.2% | $2,756-16.0% |
| Participant deferral / active EE | $3,751 | $3,871-3.1% | $5,058-25.8% | $4,297-12.7% |
| Admin fee / account holder | $2,579 | $6,717-61.6% | $8,401-69.3% | $6,935-62.8% |