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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 | $30,193 | $73,955-59.2% | $96,520-68.7% | $75,181-59.8% |
| Participation rate | 49.5% | 66.4%-17.0pp | 74.3%-24.9pp | 67.2%-17.7pp |
| Annual return | 19.51% | 26.72%-7.2pp | 35.72%-16.2pp | 160.69%-141.2pp |
| Employer contribution / active EE | $1,252 | $2,930-57.3% | $3,739-66.5% | $2,671-53.1% |
| Participant deferral / active EE | $2,470 | $3,659-32.5% | $4,879-49.4% | $4,126-40.1% |
| Admin fee / account holder | $689 | $5,217-86.8% | $6,733-89.8% | $5,650-87.8% |