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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 | $53,098 | $94,439-43.8% | $73,658-27.9% | $154,746-65.7% |
| Participation rate | 22.2% | 64.7%-42.4pp | 57.0%-34.8pp | 80.7%-58.5pp |
| Annual return | 20.75% | 28.25%-7.5pp | 29.72%-9.0pp | 172.34%-151.6pp |
| Employer contribution / active EE | $546 | $1,257-56.6% | $1,032-47.1% | $4,379-87.5% |
| Participant deferral / active EE | $1,605 | $2,527-36.5% | $2,062-22.2% | $6,730-76.2% |
| Admin fee / account holder | $1,564 | $3,843-59.3% | $3,357-53.4% | $14,365-89.1% |