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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 | $31,397 | $103,393-69.6% | $87,103-64.0% | $152,909-79.5% |
| Participation rate | 33.3% | 79.4%-46.0pp | 76.9%-43.5pp | 82.5%-49.1pp |
| Annual return | 23.58% | 28.10%-4.5pp | 28.19%-4.6pp | 345.46%-321.9pp |
| Employer contribution / active EE | $1,022 | $3,221-68.3% | $2,521-59.5% | $4,764-78.6% |
| Participant deferral / active EE | $2,150 | $4,778-55.0% | $4,049-46.9% | $5,851-63.3% |
| Admin fee / account holder | $4,905 | $12,195-59.8% | $7,491-34.5% | $11,601-57.7% |