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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 | $27,399 | $91,179-70.0% | $178,499-84.7% | $79,852-65.7% |
| Participation rate | 63.2% | 69.2%-6.0pp | 81.9%-18.8pp | 69.6%-6.5pp |
| Annual return | 16.08% | 24.19%-8.1pp | 151.10%-135.0pp | 31.72%-15.6pp |
| Employer contribution / active EE | $1,373 | $3,256-57.8% | $5,011-72.6% | $2,471-44.4% |
| Participant deferral / active EE | $2,146 | $3,236-33.7% | $5,202-58.7% | $3,740-42.6% |
| Admin fee / account holder | $2,839 | $6,749-57.9% | $13,986-79.7% | $5,306-46.5% |