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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 | $42,770 | $61,356-30.3% | $149,696-71.4% | $71,511-40.2% |
| Participation rate | 28.1% | 62.5%-34.5pp | 78.8%-50.7pp | 67.9%-39.9pp |
| Annual return | 13.54% | 35.86%-22.3pp | 134.46%-120.9pp | 28.86%-15.3pp |
| Employer contribution / active EE | $1,173 | $2,382-50.8% | $4,821-75.7% | $2,589-54.7% |
| Participant deferral / active EE | $2,235 | $2,920-23.5% | $5,682-60.7% | $4,291-47.9% |
| Admin fee / account holder | $2,970 | $1,263+135.1% | $13,212-77.5% | $1,588+87.0% |