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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 | $30,129 | $36,948-18.5% | $73,658-59.1% | $87,485-65.6% |
| Participation rate | 41.2% | 46.8%-5.6pp | 57.0%-15.9pp | 68.9%-27.8pp |
| Annual return | 20.06% | 28.64%-8.6pp | 29.72%-9.7pp | 26.06%-6.0pp |
| Employer contribution / active EE | $775 | $670+15.6% | $1,032-24.9% | $2,596-70.2% |
| Participant deferral / active EE | $2,483 | $1,379+80.1% | $2,062+20.4% | $4,274-41.9% |
| Admin fee / account holder | $340 | $2,531-86.6% | $3,357-89.9% | $7,775-95.6% |