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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 | $27,053 | $65,367-58.6% | $92,915-70.9% | $72,976-62.9% |
| Participation rate | 45.2% | 68.3%-23.1pp | 76.0%-30.8pp | 69.5%-24.3pp |
| Annual return | 17.89% | 42.11%-24.2pp | 109.45%-91.6pp | 81.02%-63.1pp |
| Employer contribution / active EE | $1,151 | $2,594-55.6% | $3,653-68.5% | $2,440-52.8% |
| Participant deferral / active EE | $1,812 | $3,128-42.1% | $4,238-57.2% | $3,608-49.8% |
| Admin fee / account holder | $1,679 | $4,251-60.5% | $5,796-71.0% | $5,124-67.2% |