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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 | $31,009 | $76,551-59.5% | $123,894-75.0% | $62,881-50.7% |
| Participation rate | 40.5% | 73.0%-32.5pp | 81.4%-40.9pp | 69.3%-28.8pp |
| Annual return | 8.90% | 18.68%-9.8pp | 47.52%-38.6pp | 20.14%-11.2pp |
| Employer contribution / active EE | $1,308 | $2,882-54.6% | $4,617-71.7% | $2,281-42.6% |
| Participant deferral / active EE | $2,859 | $4,840-40.9% | $5,984-52.2% | $3,203-10.7% |
| Admin fee / account holder | $1,894 | $4,826-60.8% | $8,357-77.3% | $4,296-55.9% |