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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 | $28,679 | $76,407-62.5% | $150,298-80.9% | $82,448-65.2% |
| Participation rate | 61.5% | 66.4%-4.9pp | 77.8%-16.2pp | 68.1%-6.5pp |
| Annual return | 20.06% | 39.99%-19.9pp | 62.79%-42.7pp | 41.64%-21.6pp |
| Employer contribution / active EE | $1,593 | $2,614-39.1% | $4,154-61.7% | $2,551-37.6% |
| Participant deferral / active EE | $2,460 | $3,214-23.5% | $5,453-54.9% | $4,139-40.6% |
| Admin fee / account holder | $324 | $6,352-94.9% | $14,116-97.7% | $7,234-95.5% |