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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 | $33,181 | $77,908-57.4% | $149,696-77.8% | $75,173-55.9% |
| Participation rate | 61.8% | 65.6%-3.7pp | 78.8%-16.9pp | 67.2%-5.4pp |
| Annual return | 22.97% | 31.73%-8.8pp | 134.46%-111.5pp | 160.72%-137.8pp |
| Employer contribution / active EE | $1,553 | $3,138-50.5% | $4,821-67.8% | $2,671-41.9% |
| Participant deferral / active EE | $2,832 | $3,411-17.0% | $5,682-50.2% | $4,126-31.4% |
| Admin fee / account holder | $484 | $5,950-91.9% | $13,212-96.3% | $5,651-91.4% |