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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 | $35,694 | $115,225-69.0% | $100,712-64.6% | $138,895-74.3% |
| Participation rate | 40.0% | 74.3%-34.3pp | 69.3%-29.3pp | 79.9%-39.9pp |
| Annual return | 20.40% | 40.35%-19.9pp | 33.27%-12.9pp | 145.39%-125.0pp |
| Employer contribution / active EE | $912 | $2,771-67.1% | $2,313-60.6% | $4,194-78.2% |
| Participant deferral / active EE | $3,979 | $4,699-15.3% | $4,085-2.6% | $6,396-37.8% |
| Admin fee / account holder | $637 | $10,844-94.1% | $9,256-93.1% | $12,562-94.9% |