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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 | $72,471-53.1% | $94,215-63.9% | $86,983-60.9% |
| Participation rate | 27.1% | 63.9%-36.8pp | 70.0%-42.9pp | 69.5%-42.5pp |
| Annual return | 20.67% | 26.44%-5.8pp | 28.22%-7.5pp | 25.83%-5.2pp |
| Employer contribution / active EE | $932 | $1,936-51.8% | $2,675-65.1% | $2,584-63.9% |
| Participant deferral / active EE | $1,923 | $3,397-43.4% | $4,276-55.0% | $4,194-54.2% |
| Admin fee / account holder | $1,604 | $6,468-75.2% | $10,216-84.3% | $7,856-79.6% |