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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 | $39,264 | $93,617-58.1% | $135,982-71.1% | $75,177-47.8% |
| Participation rate | 29.7% | 75.2%-45.5pp | 81.9%-52.2pp | 67.2%-37.5pp |
| Annual return | 21.28% | 30.89%-9.6pp | 68.32%-47.0pp | 160.75%-139.5pp |
| Employer contribution / active EE | $1,431 | $3,538-59.6% | $4,859-70.5% | $2,671-46.4% |
| Participant deferral / active EE | $2,662 | $6,406-58.4% | $7,760-65.7% | $4,126-35.5% |
| Admin fee / account holder | $834 | $6,980-88.1% | $10,767-92.3% | $5,651-85.3% |