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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 | $35,085 | $73,988-52.6% | $96,538-63.7% | $75,177-53.3% |
| Participation rate | 16.7% | 66.4%-49.8pp | 74.3%-57.7pp | 67.2%-50.5pp |
| Annual return | 22.15% | 26.73%-4.6pp | 35.74%-13.6pp | 160.75%-138.6pp |
| Employer contribution / active EE | $1,283 | $2,930-56.2% | $3,740-65.7% | $2,671-52.0% |
| Participant deferral / active EE | $2,569 | $3,660-29.8% | $4,880-47.4% | $4,126-37.7% |
| Admin fee / account holder | $5,163 | $5,220-1.1% | $6,737-23.4% | $5,651-8.6% |