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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 | $38,689 | $73,955-47.7% | $96,520-59.9% | $75,181-48.5% |
| Participation rate | 41.7% | 66.4%-24.8pp | 74.3%-32.7pp | 67.2%-25.5pp |
| Annual return | 18.78% | 26.72%-7.9pp | 35.72%-16.9pp | 160.69%-141.9pp |
| Employer contribution / active EE | $898 | $2,930-69.3% | $3,739-76.0% | $2,671-66.4% |
| Participant deferral / active EE | $2,462 | $3,659-32.7% | $4,879-49.5% | $4,126-40.3% |
| Admin fee / account holder | $863 | $5,217-83.5% | $6,733-87.2% | $5,650-84.7% |