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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 | $39,182 | $31,109+26.0% | $67,711-42.1% | $52,331-25.1% |
| Participation rate | 39.1% | 54.0%-14.9pp | 67.5%-28.4pp | 68.1%-29.0pp |
| Annual return | 0.74% | 23.70%-23.0pp | 25.41%-24.7pp | 4.54%-3.8pp |
| Employer contribution / active EE | $917 | $1,076-14.7% | $2,559-64.2% | $1,882-51.2% |
| Participant deferral / active EE | $1,501 | $1,970-23.8% | $3,585-58.1% | $3,022-50.3% |
| Admin fee / account holder | $991 | $466+112.6% | $4,255-76.7% | $592+67.5% |