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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 | $27,246 | $73,988-63.2% | $96,538-71.8% | $75,177-63.8% |
| Participation rate | 50.0% | 66.4%-16.4pp | 74.3%-24.3pp | 67.2%-17.2pp |
| Annual return | 25.06% | 26.73%-1.7pp | 35.74%-10.7pp | 160.75%-135.7pp |
| Employer contribution / active EE | $1,552 | $2,930-47.0% | $3,740-58.5% | $2,671-41.9% |
| Participant deferral / active EE | $3,727 | $3,660+1.8% | $4,880-23.6% | $4,126-9.7% |
| Admin fee / account holder | $353 | $5,220-93.2% | $6,737-94.8% | $5,651-93.8% |