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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 | $36,855 | $51,638-28.6% | $129,406-71.5% | $80,959-54.5% |
| Participation rate | 42.7% | 56.9%-14.2pp | 69.6%-26.9pp | 67.7%-25.0pp |
| Annual return | 14.75% | 20.78%-6.0pp | 9468.18%-9453.4pp | 35.67%-20.9pp |
| Employer contribution / active EE | $1,364 | $1,584-13.8% | $4,155-67.2% | $2,757-50.5% |
| Participant deferral / active EE | $2,207 | $2,670-17.4% | $4,167-47.1% | $4,300-48.7% |
| Admin fee / account holder | $2,772 | $4,313-35.7% | $7,689-63.9% | $6,925-60.0% |