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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 | $15,850 | $81,262-80.5% | $155,602-89.8% | $80,911-80.4% |
| Participation rate | 50.0% | 66.2%-16.2pp | 78.2%-28.2pp | 67.6%-17.6pp |
| Annual return | 20.74% | 33.34%-12.6pp | 64.81%-44.1pp | 35.63%-14.9pp |
| Employer contribution / active EE | $1,530 | $3,102-50.7% | $4,675-67.3% | $2,756-44.5% |
| Participant deferral / active EE | $2,621 | $3,451-24.1% | $5,629-53.4% | $4,297-39.0% |
| Admin fee / account holder | $1,855 | $7,992-76.8% | $15,923-88.4% | $6,935-73.3% |