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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 | $26,652 | $57,140-53.4% | $85,240-68.7% | $80,959-67.1% |
| Participation rate | 28.0% | 56.4%-28.4pp | 67.5%-39.5pp | 67.7%-39.7pp |
| Annual return | 14.27% | 21.71%-7.4pp | 66.75%-52.5pp | 35.67%-21.4pp |
| Employer contribution / active EE | $821 | $1,802-54.4% | $2,735-70.0% | $2,757-70.2% |
| Participant deferral / active EE | $2,409 | $3,115-22.7% | $4,527-46.8% | $4,300-44.0% |
| Admin fee / account holder | $2,449 | $4,992-50.9% | $6,165-60.3% | $6,925-64.6% |