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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 | $27,215 | $80,983-66.4% | $96,544-71.8% | $75,177-63.8% |
| Participation rate | 61.4% | 71.8%-10.4pp | 76.0%-14.6pp | 67.2%-5.8pp |
| Annual return | 14.89% | 27.05%-12.2pp | 25.88%-11.0pp | 160.75%-145.9pp |
| Employer contribution / active EE | $1,058 | $2,282-53.7% | $2,966-64.3% | $2,671-60.4% |
| Participant deferral / active EE | $2,160 | $3,929-45.0% | $4,851-55.5% | $4,126-47.7% |
| Admin fee / account holder | $1,611 | $6,717-76.0% | $8,254-80.5% | $5,651-71.5% |