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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 | $34,660 | $112,729-69.3% | $98,716-64.9% | $137,256-74.7% |
| Participation rate | 44.4% | 74.2%-29.8pp | 69.3%-24.8pp | 80.0%-35.5pp |
| Annual return | 14.38% | 38.48%-24.1pp | 31.81%-17.4pp | 220.34%-206.0pp |
| Employer contribution / active EE | $915 | $2,725-66.4% | $2,279-59.8% | $4,156-78.0% |
| Participant deferral / active EE | $1,514 | $4,640-67.4% | $4,048-62.6% | $6,407-76.4% |
| Admin fee / account holder | $6,216 | $10,129-38.6% | $8,703-28.6% | $12,270-49.3% |