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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 | $26,272 | $79,955-67.1% | $98,450-73.3% | $75,181-65.1% |
| Participation rate | 53.6% | 70.4%-16.8pp | 75.2%-21.6pp | 67.2%-13.6pp |
| Annual return | 17.22% | 19.75%-2.5pp | 21.16%-3.9pp | 160.69%-143.5pp |
| Employer contribution / active EE | $1,162 | $2,264-48.7% | $3,049-61.9% | $2,671-56.5% |
| Participant deferral / active EE | $1,803 | $3,752-52.0% | $4,739-62.0% | $4,126-56.3% |
| Admin fee / account holder | $1,811 | $6,841-73.5% | $8,961-79.8% | $5,650-67.9% |