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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 | $27,210 | $74,535-63.5% | $100,712-73.0% | $82,637-67.1% |
| Participation rate | 37.7% | 61.2%-23.4pp | 69.3%-31.5pp | 68.1%-30.3pp |
| Annual return | 19.26% | 18.92%+0.3pp | 33.27%-14.0pp | 53.51%-34.2pp |
| Employer contribution / active EE | $1,073 | $1,503-28.6% | $2,313-53.6% | $2,552-58.0% |
| Participant deferral / active EE | $1,673 | $3,074-45.6% | $4,085-59.0% | $4,126-59.4% |
| Admin fee / account holder | $1,027 | $6,576-84.4% | $9,256-88.9% | $7,339-86.0% |