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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 | $34,806 | $73,955-52.9% | $96,520-63.9% | $75,181-53.7% |
| Participation rate | 47.2% | 66.4%-19.2pp | 74.3%-27.1pp | 67.2%-20.0pp |
| Annual return | 19.96% | 26.72%-6.8pp | 35.72%-15.8pp | 160.69%-140.7pp |
| Employer contribution / active EE | $1,355 | $2,930-53.8% | $3,739-63.8% | $2,671-49.3% |
| Participant deferral / active EE | $2,570 | $3,659-29.8% | $4,879-47.3% | $4,126-37.7% |
| Admin fee / account holder | $651 | $5,217-87.5% | $6,733-90.3% | $5,650-88.5% |