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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 | $38,031 | $43,075-11.7% | $74,577-49.0% | $62,881-39.5% |
| Participation rate | 28.1% | 58.1%-29.9pp | 68.1%-40.0pp | 69.3%-41.2pp |
| Annual return | 6.48% | 17.50%-11.0pp | 20.47%-14.0pp | 20.14%-13.7pp |
| Employer contribution / active EE | $426 | $1,498-71.6% | $2,525-83.1% | $2,281-81.3% |
| Participant deferral / active EE | $1,344 | $2,389-43.8% | $3,458-61.1% | $3,203-58.0% |
| Admin fee / account holder | $3,680 | $2,840+29.6% | $4,138-11.1% | $4,296-14.3% |