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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 | $34,350 | $76,407-55.0% | $150,298-77.1% | $82,448-58.3% |
| Participation rate | 44.0% | 66.4%-22.4pp | 77.8%-33.8pp | 68.1%-24.1pp |
| Annual return | 14.34% | 39.99%-25.7pp | 62.79%-48.4pp | 41.64%-27.3pp |
| Employer contribution / active EE | $1,511 | $2,614-42.2% | $4,154-63.6% | $2,551-40.8% |
| Participant deferral / active EE | $2,986 | $3,214-7.1% | $5,453-45.2% | $4,139-27.9% |
| Admin fee / account holder | $3,513 | $6,352-44.7% | $14,116-75.1% | $7,234-51.4% |