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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 | $37,875 | $88,672-57.3% | $105,223-64.0% | $82,448-54.1% |
| Participation rate | 57.7% | 67.9%-10.2pp | 75.0%-17.4pp | 68.1%-10.4pp |
| Annual return | 17.89% | 30.86%-13.0pp | 180.65%-162.8pp | 41.64%-23.8pp |
| Employer contribution / active EE | $1,649 | $3,048-45.9% | $3,689-55.3% | $2,551-35.4% |
| Participant deferral / active EE | $2,789 | $4,036-30.9% | $5,072-45.0% | $4,139-32.6% |
| Admin fee / account holder | $1,119 | $7,146-84.3% | $8,859-87.4% | $7,234-84.5% |