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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 | $33,987 | $69,444-51.1% | $92,985-63.4% | $87,485-61.2% |
| Participation rate | 27.1% | 63.3%-36.2pp | 69.5%-42.4pp | 68.9%-41.8pp |
| Annual return | 20.67% | 23.85%-3.2pp | 27.99%-7.3pp | 26.06%-5.4pp |
| Employer contribution / active EE | $932 | $1,917-51.4% | $2,662-65.0% | $2,596-64.1% |
| Participant deferral / active EE | $1,923 | $3,364-42.8% | $4,377-56.1% | $4,274-55.0% |
| Admin fee / account holder | $1,604 | $6,137-73.9% | $9,463-83.1% | $7,775-79.4% |