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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 | $78,690-58.8% | $161,489-79.9% | $87,485-63.0% |
| Participation rate | 38.7% | 67.5%-28.8pp | 78.7%-40.0pp | 68.9%-30.2pp |
| Annual return | 18.21% | 32.74%-14.5pp | 89.72%-71.5pp | 26.06%-7.8pp |
| Employer contribution / active EE | $1,328 | $2,588-48.7% | $4,268-68.9% | $2,596-48.9% |
| Participant deferral / active EE | $2,730 | $3,311-17.6% | $5,630-51.5% | $4,274-36.1% |
| Admin fee / account holder | $1,453 | $6,724-78.4% | $16,006-90.9% | $7,775-81.3% |