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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 | $28,263 | $61,338-53.9% | $149,717-81.1% | $71,495-60.5% |
| Participation rate | 48.2% | 62.5%-14.3pp | 78.8%-30.6pp | 67.9%-19.8pp |
| Annual return | 23.26% | 35.86%-12.6pp | 134.41%-111.1pp | 28.85%-5.6pp |
| Employer contribution / active EE | $1,089 | $2,381-54.3% | $4,820-77.4% | $2,589-57.9% |
| Participant deferral / active EE | $3,655 | $2,919+25.2% | $5,682-35.7% | $4,291-14.8% |
| Admin fee / account holder | $356 | $1,263-71.8% | $13,213-97.3% | $1,588-77.6% |