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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 | $20,512 | $84,236-75.6% | $170,435-88.0% | $70,126-70.7% |
| Participation rate | 53.5% | 70.8%-17.3pp | 83.6%-30.1pp | 69.5%-16.1pp |
| Annual return | 19.93% | 23.06%-3.1pp | 205.94%-186.0pp | 73.15%-53.2pp |
| Employer contribution / active EE | $1,123 | $3,387-66.9% | $5,432-79.3% | $2,343-52.1% |
| Participant deferral / active EE | $1,903 | $3,086-38.3% | $4,939-61.5% | $3,332-42.9% |
| Admin fee / account holder | $1,089 | $5,698-80.9% | $13,881-92.2% | $4,645-76.5% |