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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 | $65,122-45.6% | $135,792-73.9% | $64,097-44.8% |
| Participation rate | 32.1% | 47.1%-15.0pp | 72.6%-40.5pp | 55.2%-23.1pp |
| Annual return | 16.74% | 14.53%+2.2pp | 25.96%-9.2pp | 34.64%-17.9pp |
| Employer contribution / active EE | $1,074 | $1,280-16.1% | $3,496-69.3% | $1,891-43.2% |
| Participant deferral / active EE | $1,165 | $2,219-47.5% | $4,759-75.5% | $3,080-62.2% |
| Admin fee / account holder | $3,641 | $3,120+16.7% | $12,266-70.3% | $3,454+5.4% |