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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 | $38,932 | $51,207-24.0% | $70,565-44.8% | $75,177-48.2% |
| Participation rate | 25.6% | 61.0%-35.4pp | 68.4%-42.8pp | 67.2%-41.6pp |
| Annual return | 22.65% | 30.05%-7.4pp | 32.79%-10.1pp | 160.75%-138.1pp |
| Employer contribution / active EE | $700 | $1,826-61.7% | $2,976-76.5% | $2,671-73.8% |
| Participant deferral / active EE | $1,803 | $2,850-36.7% | $4,568-60.5% | $4,126-56.3% |
| Admin fee / account holder | $1,475 | $4,097-64.0% | $6,430-77.1% | $5,651-73.9% |