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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 | $32,896 | $81,504-59.6% | $102,437-67.9% | $80,959-59.4% |
| Participation rate | 23.7% | 66.9%-43.2pp | 74.5%-50.8pp | 67.7%-44.0pp |
| Annual return | 30.99% | 25.60%+5.4pp | 24.95%+6.0pp | 35.67%-4.7pp |
| Employer contribution / active EE | $967 | $3,104-68.9% | $3,871-75.0% | $2,757-64.9% |
| Participant deferral / active EE | $1,852 | $3,871-52.1% | $5,060-63.4% | $4,300-56.9% |
| Admin fee / account holder | $1,718 | $6,719-74.4% | $8,388-79.5% | $6,925-75.2% |