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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 | $26,182 | $81,331-67.8% | $155,534-83.2% | $80,935-67.7% |
| Participation rate | 60.5% | 66.3%-5.8pp | 78.2%-17.8pp | 67.7%-7.2pp |
| Annual return | 13.34% | 33.37%-20.0pp | 64.92%-51.6pp | 35.66%-22.3pp |
| Employer contribution / active EE | $1,309 | $3,105-57.8% | $4,675-72.0% | $2,757-52.5% |
| Participant deferral / active EE | $1,925 | $3,454-44.3% | $5,630-65.8% | $4,299-55.2% |
| Admin fee / account holder | $2,037 | $7,999-74.5% | $15,900-87.2% | $6,924-70.6% |