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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 | $38,878 | $63,773-39.0% | $81,286-52.2% | $80,925-52.0% |
| Participation rate | 27.5% | 63.9%-36.4pp | 69.5%-42.0pp | 67.7%-40.1pp |
| Annual return | 15.89% | 16.37%-0.5pp | 24.80%-8.9pp | 35.65%-19.8pp |
| Employer contribution / active EE | $975 | $1,979-50.8% | $2,463-60.4% | $2,756-64.6% |
| Participant deferral / active EE | $1,265 | $3,093-59.1% | $3,883-67.4% | $4,299-70.6% |
| Admin fee / account holder | $1,084 | $5,682-80.9% | $5,764-81.2% | $6,940-84.4% |