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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 | $124,980-72.3% | $108,359-68.0% | $154,746-77.6% |
| Participation rate | 44.4% | 75.2%-30.7pp | 70.1%-25.7pp | 80.7%-36.3pp |
| Annual return | 14.38% | 45.00%-30.6pp | 36.89%-22.5pp | 172.34%-158.0pp |
| Employer contribution / active EE | $915 | $2,851-67.9% | $2,399-61.9% | $4,379-79.1% |
| Participant deferral / active EE | $1,514 | $4,743-68.1% | $4,137-63.4% | $6,730-77.5% |
| Admin fee / account holder | $6,216 | $11,502-46.0% | $9,741-36.2% | $14,365-56.7% |