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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 | $37,126 | $58,048-36.0% | $94,215-60.6% | $65,306-43.2% |
| Participation rate | 12.3% | 45.3%-33.1pp | 70.0%-57.7pp | 57.7%-45.4pp |
| Annual return | 22.83% | 19.61%+3.2pp | 28.22%-5.4pp | 21.94%+0.9pp |
| Employer contribution / active EE | $0 | $1,427-100.0% | $2,675-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $1,635 | $2,407-32.1% | $4,276-61.8% | $2,959-44.8% |
| Admin fee / account holder | $1,756 | $4,610-61.9% | $10,216-82.8% | $3,480-49.5% |