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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 | $29,561 | $73,978-60.0% | $96,515-69.4% | $75,173-60.7% |
| Participation rate | 20.0% | 66.4%-46.4pp | 74.3%-54.3pp | 67.2%-47.2pp |
| Annual return | 18.71% | 26.72%-8.0pp | 35.73%-17.0pp | 160.72%-142.0pp |
| Employer contribution / active EE | $901 | $2,931-69.3% | $3,740-75.9% | $2,671-66.3% |
| Participant deferral / active EE | $1,861 | $3,660-49.2% | $4,880-61.9% | $4,126-54.9% |
| Admin fee / account holder | $2,886 | $5,219-44.7% | $6,735-57.2% | $5,651-48.9% |