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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 | $34,732 | $86,938-60.0% | $102,423-66.1% | $80,925-57.1% |
| Participation rate | 53.6% | 72.4%-18.8pp | 76.5%-22.9pp | 67.7%-14.1pp |
| Annual return | 23.78% | 18.89%+4.9pp | 29.42%-5.6pp | 35.65%-11.9pp |
| Employer contribution / active EE | $2,112 | $2,369-10.9% | $3,023-30.1% | $2,756-23.4% |
| Participant deferral / active EE | $3,194 | $4,120-22.5% | $5,054-36.8% | $4,299-25.7% |
| Admin fee / account holder | $1,505 | $8,053-81.3% | $9,455-84.1% | $6,940-78.3% |