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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 | $18,231 | $85,024-78.6% | $70,544-74.2% | $139,466-86.9% |
| Participation rate | 52.4% | 73.9%-21.5pp | 68.4%-16.0pp | 80.3%-28.0pp |
| Annual return | 21.56% | 30.39%-8.8pp | 32.79%-11.2pp | 373.66%-352.1pp |
| Employer contribution / active EE | $1,602 | $3,912-59.1% | $2,976-46.2% | $4,754-66.3% |
| Participant deferral / active EE | $2,766 | $5,891-53.0% | $4,568-39.5% | $6,712-58.8% |
| Admin fee / account holder | $3,696 | $8,928-58.6% | $6,427-42.5% | $11,409-67.6% |