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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 | $28,868 | $65,364-55.8% | $92,909-68.9% | $72,975-60.4% |
| Participation rate | 31.3% | 68.3%-37.1pp | 76.0%-44.8pp | 69.5%-38.2pp |
| Annual return | 24.42% | 42.11%-17.7pp | 109.44%-85.0pp | 81.01%-56.6pp |
| Employer contribution / active EE | $758 | $2,594-70.8% | $3,653-79.3% | $2,440-68.9% |
| Participant deferral / active EE | $1,298 | $3,128-58.5% | $4,238-69.4% | $3,608-64.0% |
| Admin fee / account holder | $2,619 | $4,251-38.4% | $5,795-54.8% | $5,124-48.9% |