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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 | $30,099 | $75,720-60.3% | $90,312-66.7% | $86,983-65.4% |
| Participation rate | 31.3% | 66.3%-35.0pp | 72.9%-41.6pp | 69.5%-38.3pp |
| Annual return | 13.18% | 18.55%-5.4pp | 18.90%-5.7pp | 25.83%-12.7pp |
| Employer contribution / active EE | $591 | $1,945-69.6% | $2,243-73.7% | $2,584-77.1% |
| Participant deferral / active EE | $1,194 | $3,001-60.2% | $3,749-68.1% | $4,194-71.5% |
| Admin fee / account holder | $4,495 | $6,201-27.5% | $8,248-45.5% | $7,856-42.8% |