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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 | $59,440-42.8% | $78,004-56.4% | $82,637-58.9% |
| Participation rate | 27.1% | 62.8%-35.7pp | 69.4%-42.4pp | 68.1%-41.0pp |
| Annual return | 20.67% | 40.24%-19.6pp | 31.07%-10.4pp | 53.51%-32.8pp |
| Employer contribution / active EE | $932 | $1,750-46.7% | $2,469-62.2% | $2,552-63.5% |
| Participant deferral / active EE | $1,923 | $3,138-38.7% | $4,092-53.0% | $4,126-53.4% |
| Admin fee / account holder | $1,604 | $5,504-70.9% | $7,578-78.8% | $7,339-78.1% |