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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 | $32,108 | $81,487-60.6% | $102,412-68.6% | $80,935-60.3% |
| Participation rate | 41.9% | 66.8%-25.0pp | 74.5%-32.6pp | 67.7%-25.8pp |
| Annual return | 15.34% | 25.60%-10.3pp | 24.94%-9.6pp | 35.66%-20.3pp |
| Employer contribution / active EE | $846 | $3,103-72.7% | $3,870-78.1% | $2,757-69.3% |
| Participant deferral / active EE | $2,354 | $3,871-39.2% | $5,060-53.5% | $4,299-45.2% |
| Admin fee / account holder | $2,086 | $6,717-68.9% | $8,388-75.1% | $6,924-69.9% |