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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 | $24,311 | $81,276-70.1% | $155,574-84.4% | $80,925-70.0% |
| Participation rate | 61.5% | 66.2%-4.7pp | 78.2%-16.7pp | 67.7%-6.1pp |
| Annual return | 11.22% | 33.36%-22.1pp | 64.87%-53.6pp | 35.65%-24.4pp |
| Employer contribution / active EE | $1,015 | $3,103-67.3% | $4,676-78.3% | $2,756-63.2% |
| Participant deferral / active EE | $1,508 | $3,453-56.3% | $5,629-73.2% | $4,299-64.9% |
| Admin fee / account holder | $1,462 | $7,993-81.7% | $15,914-90.8% | $6,940-78.9% |