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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 | $29,262 | $67,595-56.7% | $186,193-84.3% | $64,340-54.5% |
| Participation rate | 40.5% | 51.9%-11.4pp | 77.1%-36.6pp | 55.2%-14.8pp |
| Annual return | 30.86% | 17.46%+13.4pp | 78.03%-47.2pp | 24.14%+6.7pp |
| Employer contribution / active EE | $1,076 | $1,513-28.9% | $3,918-72.5% | $1,862-42.2% |
| Participant deferral / active EE | $1,799 | $3,023-40.5% | $6,513-72.4% | $2,980-39.6% |
| Admin fee / account holder | $679 | $5,311-87.2% | $11,058-93.9% | $3,703-81.7% |