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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 | $11,230 | $55,932-79.9% | $76,735-85.4% | $67,986-83.5% |
| Participation rate | 32.0% | 50.8%-18.8pp | 69.5%-37.5pp | 57.2%-25.2pp |
| Annual return | 44.82% | 23.10%+21.7pp | 29.77%+15.1pp | 31.67%+13.2pp |
| Employer contribution / active EE | $934 | $1,487-37.2% | $2,454-61.9% | $2,019-53.7% |
| Participant deferral / active EE | $1,337 | $2,558-47.7% | $4,088-67.3% | $3,358-60.2% |
| Admin fee / account holder | $3,990 | $4,907-18.7% | $7,189-44.5% | $3,203+24.6% |