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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 | $32,284 | $80,781-60.0% | $102,437-68.5% | $74,478-56.7% |
| Participation rate | 38.5% | 65.7%-27.2pp | 74.5%-36.0pp | 67.2%-28.8pp |
| Annual return | 12.61% | 27.58%-15.0pp | 24.95%-12.3pp | 1370.56%-1358.0pp |
| Employer contribution / active EE | $1,296 | $3,160-59.0% | $3,871-66.5% | $2,626-50.6% |
| Participant deferral / active EE | $2,811 | $3,862-27.2% | $5,060-44.5% | $4,350-35.4% |
| Admin fee / account holder | $2,073 | $2,372-12.6% | $8,388-75.3% | $1,946+6.5% |