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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 | $24,433 | $93,598-73.9% | $135,974-82.0% | $75,173-67.5% |
| Participation rate | 45.9% | 75.2%-29.2pp | 81.9%-36.0pp | 67.2%-21.3pp |
| Annual return | 20.40% | 30.89%-10.5pp | 68.30%-47.9pp | 160.72%-140.3pp |
| Employer contribution / active EE | $1,737 | $3,538-50.9% | $4,859-64.2% | $2,671-35.0% |
| Participant deferral / active EE | $4,790 | $6,405-25.2% | $7,760-38.3% | $4,126+16.1% |
| Admin fee / account holder | $4,120 | $6,978-41.0% | $10,767-61.7% | $5,651-27.1% |