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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 | $22,001 | $77,901-71.8% | $149,717-85.3% | $75,181-70.7% |
| Participation rate | 62.5% | 65.6%-3.1pp | 78.8%-16.3pp | 67.2%-4.7pp |
| Annual return | 14.92% | 31.73%-16.8pp | 134.41%-119.5pp | 160.69%-145.8pp |
| Employer contribution / active EE | $1,512 | $3,137-51.8% | $4,820-68.6% | $2,671-43.4% |
| Participant deferral / active EE | $2,417 | $3,411-29.1% | $5,682-57.5% | $4,126-41.4% |
| Admin fee / account holder | $410 | $5,949-93.1% | $13,213-96.9% | $5,650-92.7% |