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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 | $51,849 | $161,352-67.9% | $134,172-61.4% | $137,256-62.2% |
| Participation rate | 27.3% | 78.3%-51.0pp | 72.5%-45.2pp | 80.0%-52.7pp |
| Annual return | 13.96% | 28.72%-14.8pp | 25.30%-11.3pp | 220.34%-206.4pp |
| Employer contribution / active EE | $1,505 | $4,099-63.3% | $3,420-56.0% | $4,156-63.8% |
| Participant deferral / active EE | $2,567 | $5,552-53.8% | $4,690-45.3% | $6,407-59.9% |
| Admin fee / account holder | $1,232 | $15,028-91.8% | $12,016-89.7% | $12,270-90.0% |