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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 | $35,512 | $57,140-37.9% | $85,240-58.3% | $80,959-56.1% |
| Participation rate | 27.5% | 56.4%-28.9pp | 67.5%-40.0pp | 67.7%-40.2pp |
| Annual return | 11.98% | 21.71%-9.7pp | 66.75%-54.8pp | 35.67%-23.7pp |
| Employer contribution / active EE | $1,285 | $1,802-28.7% | $2,735-53.0% | $2,757-53.4% |
| Participant deferral / active EE | $2,683 | $3,115-13.9% | $4,527-40.7% | $4,300-37.6% |
| Admin fee / account holder | $1,840 | $4,992-63.1% | $6,165-70.2% | $6,925-73.4% |