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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 | $22,733 | $81,358-72.1% | $155,556-85.4% | $80,959-71.9% |
| Participation rate | 38.2% | 66.3%-28.0pp | 78.2%-40.0pp | 67.7%-29.4pp |
| Annual return | 20.17% | 33.39%-13.2pp | 64.84%-44.7pp | 35.67%-15.5pp |
| Employer contribution / active EE | $1,035 | $3,106-66.7% | $4,675-77.9% | $2,757-62.5% |
| Participant deferral / active EE | $2,129 | $3,455-38.4% | $5,631-62.2% | $4,300-50.5% |
| Admin fee / account holder | $4,572 | $7,994-42.8% | $15,885-71.2% | $6,925-34.0% |