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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 | $27,495 | $65,034-57.7% | $90,970-69.8% | $79,856-65.6% |
| Participation rate | 43.2% | 61.6%-18.4pp | 69.0%-25.8pp | 69.6%-26.4pp |
| Annual return | 24.85% | 30.45%-5.6pp | 134.60%-109.7pp | 31.71%-6.9pp |
| Employer contribution / active EE | $1,385 | $1,247+11.0% | $2,122-34.7% | $2,471-44.0% |
| Participant deferral / active EE | $3,301 | $2,512+31.4% | $3,373-2.1% | $3,741-11.8% |
| Admin fee / account holder | $1,715 | $4,536-62.2% | $5,961-71.2% | $5,306-67.7% |