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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 | $34,572 | $105,284-67.2% | $150,734-77.1% | $94,015-63.2% |
| Participation rate | 63.0% | 71.7%-8.7pp | 78.4%-15.4pp | 70.8%-7.8pp |
| Annual return | 16.68% | 15.67%+1.0pp | 600.81%-584.1pp | 17.84%-1.2pp |
| Employer contribution / active EE | $1,484 | $3,599-58.8% | $4,918-69.8% | $2,790-46.8% |
| Participant deferral / active EE | $2,572 | $4,274-39.8% | $5,610-54.2% | $4,249-39.5% |
| Admin fee / account holder | $1,437 | $9,839-85.4% | $14,905-90.4% | $8,951-83.9% |