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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 | $81,262-67.8% | $155,602-83.2% | $80,911-67.6% |
| Participation rate | 60.5% | 66.2%-5.8pp | 78.2%-17.7pp | 67.6%-7.2pp |
| Annual return | 13.34% | 33.34%-20.0pp | 64.81%-51.5pp | 35.63%-22.3pp |
| Employer contribution / active EE | $1,309 | $3,102-57.8% | $4,675-72.0% | $2,756-52.5% |
| Participant deferral / active EE | $1,925 | $3,451-44.2% | $5,629-65.8% | $4,297-55.2% |
| Admin fee / account holder | $2,037 | $7,992-74.5% | $15,923-87.2% | $6,935-70.6% |