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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 | $24,933 | $65,027-61.7% | $90,970-72.6% | $79,852-68.8% |
| Participation rate | 47.6% | 61.6%-14.0pp | 69.0%-21.4pp | 69.6%-22.0pp |
| Annual return | 12.17% | 30.45%-18.3pp | 134.58%-122.4pp | 31.72%-19.6pp |
| Employer contribution / active EE | $1,105 | $1,247-11.4% | $2,122-47.9% | $2,471-55.3% |
| Participant deferral / active EE | $2,923 | $2,512+16.4% | $3,373-13.3% | $3,740-21.8% |
| Admin fee / account holder | $3,701 | $4,535-18.4% | $5,960-37.9% | $5,306-30.2% |