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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 | $39,125 | $78,027-49.9% | $178,528-78.1% | $80,925-51.7% |
| Participation rate | 30.9% | 65.7%-34.8pp | 77.1%-46.2pp | 67.7%-36.8pp |
| Annual return | 13.94% | 18.09%-4.2pp | 27.11%-13.2pp | 35.65%-21.7pp |
| Employer contribution / active EE | $780 | $2,281-65.8% | $3,950-80.2% | $2,756-71.7% |
| Participant deferral / active EE | $2,230 | $4,408-49.4% | $6,278-64.5% | $4,299-48.1% |
| Admin fee / account holder | $12,369 | $7,168+72.6% | $10,419+18.7% | $6,940+78.2% |