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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 | $29,240 | $45,119-35.2% | $85,126-65.7% | $74,429-60.7% |
| Participation rate | 32.1% | 49.4%-17.3pp | 67.5%-35.4pp | 67.2%-35.1pp |
| Annual return | 13.39% | 26.28%-12.9pp | 66.63%-53.2pp | 1368.38%-1355.0pp |
| Employer contribution / active EE | $1,660 | $1,460+13.6% | $2,731-39.2% | $2,625-36.8% |
| Participant deferral / active EE | $3,804 | $2,738+39.0% | $4,523-15.9% | $4,348-12.5% |
| Admin fee / account holder | $2,882 | $2,214+30.2% | $6,160-53.2% | $1,944+48.2% |