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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 | $60,182 | $73,988-18.7% | $96,538-37.7% | $75,177-19.9% |
| Participation rate | 34.8% | 66.4%-31.6pp | 74.3%-39.6pp | 67.2%-32.4pp |
| Annual return | 18.00% | 26.73%-8.7pp | 35.74%-17.7pp | 160.75%-142.8pp |
| Employer contribution / active EE | $1,154 | $2,930-60.6% | $3,740-69.1% | $2,671-56.8% |
| Participant deferral / active EE | $2,480 | $3,660-32.2% | $4,880-49.2% | $4,126-39.9% |
| Admin fee / account holder | $1,873 | $5,220-64.1% | $6,737-72.2% | $5,651-66.9% |