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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 | $31,538 | $81,487-61.3% | $102,412-69.2% | $80,935-61.0% |
| Participation rate | 33.3% | 66.8%-33.5pp | 74.5%-41.2pp | 67.7%-34.3pp |
| Annual return | 19.60% | 25.60%-6.0pp | 24.94%-5.3pp | 35.66%-16.1pp |
| Employer contribution / active EE | $1,477 | $3,103-52.4% | $3,870-61.8% | $2,757-46.4% |
| Participant deferral / active EE | $2,601 | $3,871-32.8% | $5,060-48.6% | $4,299-39.5% |
| Admin fee / account holder | $3,407 | $6,717-49.3% | $8,388-59.4% | $6,924-50.8% |