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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 | $26,085 | $73,978-64.7% | $96,515-73.0% | $75,173-65.3% |
| Participation rate | 45.8% | 66.4%-20.6pp | 74.3%-28.6pp | 67.2%-21.4pp |
| Annual return | 19.62% | 26.72%-7.1pp | 35.73%-16.1pp | 160.72%-141.1pp |
| Employer contribution / active EE | $1,621 | $2,931-44.7% | $3,740-56.7% | $2,671-39.3% |
| Participant deferral / active EE | $3,014 | $3,660-17.6% | $4,880-38.2% | $4,126-26.9% |
| Admin fee / account holder | $2,414 | $5,219-53.7% | $6,735-64.2% | $5,651-57.3% |