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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 | $36,842 | $86,949-57.6% | $102,460-64.0% | $80,959-54.5% |
| Participation rate | 53.1% | 72.4%-19.3pp | 76.5%-23.4pp | 67.7%-14.5pp |
| Annual return | 10.42% | 18.89%-8.5pp | 29.47%-19.0pp | 35.67%-25.2pp |
| Employer contribution / active EE | $1,282 | $2,370-45.9% | $3,025-57.6% | $2,757-53.5% |
| Participant deferral / active EE | $2,342 | $4,121-43.2% | $5,056-53.7% | $4,300-45.5% |
| Admin fee / account holder | $1,797 | $8,048-77.7% | $9,460-81.0% | $6,925-74.0% |