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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 | $22,939 | $78,690-70.8% | $161,489-85.8% | $87,485-73.8% |
| Participation rate | 58.7% | 67.5%-8.8pp | 78.7%-20.0pp | 68.9%-10.2pp |
| Annual return | 20.63% | 32.74%-12.1pp | 89.72%-69.1pp | 26.06%-5.4pp |
| Employer contribution / active EE | $1,729 | $2,588-33.2% | $4,268-59.5% | $2,596-33.4% |
| Participant deferral / active EE | $3,184 | $3,311-3.8% | $5,630-43.4% | $4,274-25.5% |
| Admin fee / account holder | $961 | $6,724-85.7% | $16,006-94.0% | $7,775-87.6% |