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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 | $21,719 | $77,920-72.1% | $149,723-85.5% | $75,177-71.1% |
| Participation rate | 44.4% | 65.6%-21.1pp | 78.8%-34.3pp | 67.2%-22.8pp |
| Annual return | 26.69% | 31.72%-5.0pp | 134.50%-107.8pp | 160.75%-134.1pp |
| Employer contribution / active EE | $1,356 | $3,138-56.8% | $4,821-71.9% | $2,671-49.2% |
| Participant deferral / active EE | $2,136 | $3,411-37.4% | $5,682-62.4% | $4,126-48.2% |
| Admin fee / account holder | $3,701 | $5,951-37.8% | $13,215-72.0% | $5,651-34.5% |