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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 | $79,673 | $91,086-12.5% | $203,872-60.9% | $86,983-8.4% |
| Participation rate | 35.7% | 65.8%-30.1pp | 77.8%-42.1pp | 69.5%-33.8pp |
| Annual return | 20.57% | 22.30%-1.7pp | 85.11%-64.5pp | 25.83%-5.3pp |
| Employer contribution / active EE | $1,512 | $2,063-26.7% | $3,757-59.8% | $2,584-41.5% |
| Participant deferral / active EE | $3,131 | $4,019-22.1% | $6,388-51.0% | $4,194-25.4% |
| Admin fee / account holder | $354 | $8,987-96.1% | $11,730-97.0% | $7,856-95.5% |