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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 | $33,307 | $81,233-59.0% | $155,567-78.6% | $80,874-58.8% |
| Participation rate | 55.3% | 66.2%-10.9pp | 78.2%-22.9pp | 67.6%-12.3pp |
| Annual return | 17.73% | 33.33%-15.6pp | 64.74%-47.0pp | 35.62%-17.9pp |
| Employer contribution / active EE | $1,255 | $3,101-59.5% | $4,674-73.2% | $2,756-54.5% |
| Participant deferral / active EE | $1,960 | $3,452-43.2% | $5,628-65.2% | $4,297-54.4% |
| Admin fee / account holder | $2,242 | $7,998-72.0% | $15,916-85.9% | $6,935-67.7% |