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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 | $35,407 | $64,890-45.4% | $134,172-73.6% | $67,986-47.9% |
| Participation rate | 32.1% | 48.5%-16.4pp | 72.5%-40.4pp | 57.2%-25.1pp |
| Annual return | 16.74% | 16.12%+0.6pp | 25.30%-8.6pp | 31.67%-14.9pp |
| Employer contribution / active EE | $1,074 | $1,360-21.0% | $3,420-68.6% | $2,019-46.8% |
| Participant deferral / active EE | $1,165 | $2,289-49.1% | $4,690-75.2% | $3,358-65.3% |
| Admin fee / account holder | $3,641 | $3,140+15.9% | $12,016-69.7% | $3,203+13.7% |