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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 | $54,077 | $78,682-31.3% | $109,188-50.5% | $85,851-37.0% |
| Participation rate | 30.4% | 68.3%-37.8pp | 75.9%-45.4pp | 69.3%-38.9pp |
| Annual return | 28.58% | 25.09%+3.5pp | 25.76%+2.8pp | 318.63%-290.1pp |
| Employer contribution / active EE | $938 | $2,734-65.7% | $3,723-74.8% | $2,565-63.4% |
| Participant deferral / active EE | $1,572 | $3,468-54.7% | $4,654-66.2% | $3,952-60.2% |
| Admin fee / account holder | $1,122 | $5,470-79.5% | $6,755-83.4% | $6,261-82.1% |