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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 | $32,386 | $76,407-57.6% | $150,298-78.5% | $82,448-60.7% |
| Participation rate | 38.7% | 66.4%-27.7pp | 77.8%-39.1pp | 68.1%-29.4pp |
| Annual return | 18.21% | 39.99%-21.8pp | 62.79%-44.6pp | 41.64%-23.4pp |
| Employer contribution / active EE | $1,328 | $2,614-49.2% | $4,154-68.0% | $2,551-47.9% |
| Participant deferral / active EE | $2,730 | $3,214-15.1% | $5,453-49.9% | $4,139-34.1% |
| Admin fee / account holder | $1,453 | $6,352-77.1% | $14,116-89.7% | $7,234-79.9% |