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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 | $27,343 | $50,554-45.9% | $67,681-59.6% | $87,485-68.7% |
| Participation rate | 60.2% | 67.7%-7.5pp | 73.7%-13.5pp | 68.9%-8.7pp |
| Annual return | 21.74% | 17.81%+3.9pp | 590.58%-568.8pp | 26.06%-4.3pp |
| Employer contribution / active EE | $1,743 | $1,988-12.4% | $2,678-34.9% | $2,596-32.9% |
| Participant deferral / active EE | $3,453 | $2,961+16.6% | $3,976-13.1% | $4,274-19.2% |
| Admin fee / account holder | $3,019 | $4,132-26.9% | $6,100-50.5% | $7,775-61.2% |