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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 | $31,020 | $77,908-60.2% | $149,696-79.3% | $75,173-58.7% |
| Participation rate | 66.7% | 65.6%+1.1pp | 78.8%-12.1pp | 67.2%-0.5pp |
| Annual return | 20.92% | 31.73%-10.8pp | 134.46%-113.5pp | 160.72%-139.8pp |
| Employer contribution / active EE | $1,620 | $3,138-48.4% | $4,821-66.4% | $2,671-39.3% |
| Participant deferral / active EE | $3,412 | $3,4110% | $5,682-39.9% | $4,126-17.3% |
| Admin fee / account holder | $3,502 | $5,950-41.1% | $13,212-73.5% | $5,651-38.0% |