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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 | $50,161 | $75,541-33.6% | $152,093-67.0% | $82,637-39.3% |
| Participation rate | 28.9% | 66.5%-37.7pp | 77.8%-48.9pp | 68.1%-39.2pp |
| Annual return | 14.43% | 32.56%-18.1pp | 66.36%-51.9pp | 53.51%-39.1pp |
| Employer contribution / active EE | $482 | $2,622-81.6% | $4,175-88.5% | $2,552-81.1% |
| Participant deferral / active EE | $1,669 | $3,206-47.9% | $5,451-69.4% | $4,126-59.6% |
| Admin fee / account holder | $1,165 | $6,405-81.8% | $14,497-92.0% | $7,339-84.1% |