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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 | $26,643 | $47,848-44.3% | $81,473-67.3% | $70,126-62.0% |
| Participation rate | 45.9% | 58.3%-12.4pp | 68.0%-22.1pp | 69.5%-23.6pp |
| Annual return | 20.80% | 27.25%-6.5pp | 38.78%-18.0pp | 73.15%-52.4pp |
| Employer contribution / active EE | $761 | $1,527-50.1% | $2,568-70.3% | $2,343-67.5% |
| Participant deferral / active EE | $2,032 | $2,453-17.1% | $3,537-42.5% | $3,332-39.0% |
| Admin fee / account holder | $1,457 | $3,145-53.7% | $4,561-68.1% | $4,645-68.6% |