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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 | $38,781 | $45,343-14.5% | $150,298-74.2% | $67,986-43.0% |
| Participation rate | 28.5% | 51.9%-23.3pp | 77.8%-49.2pp | 57.2%-28.7pp |
| Annual return | 22.61% | 33.28%-10.7pp | 62.79%-40.2pp | 31.67%-9.1pp |
| Employer contribution / active EE | $822 | $1,462-43.7% | $4,154-80.2% | $2,019-59.3% |
| Participant deferral / active EE | $1,678 | $2,055-18.4% | $5,453-69.2% | $3,358-50.0% |
| Admin fee / account holder | $4,192 | $2,250+86.3% | $14,116-70.3% | $3,203+30.9% |