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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 | $30,563 | $41,016-25.5% | $152,093-79.9% | $64,097-52.3% |
| Participation rate | 41.7% | 51.3%-9.6pp | 77.8%-36.0pp | 55.2%-13.5pp |
| Annual return | 15.58% | 39.60%-24.0pp | 66.36%-50.8pp | 34.64%-19.1pp |
| Employer contribution / active EE | $400 | $1,342-70.2% | $4,175-90.4% | $1,891-78.8% |
| Participant deferral / active EE | $570 | $1,927-70.5% | $5,451-89.6% | $3,080-81.5% |
| Admin fee / account holder | $932 | $2,305-59.6% | $14,497-93.6% | $3,454-73.0% |