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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 | $36,557 | $45,343-19.4% | $150,298-75.7% | $67,986-46.2% |
| Participation rate | 39.5% | 51.9%-12.3pp | 77.8%-38.2pp | 57.2%-17.7pp |
| Annual return | 17.47% | 33.28%-15.8pp | 62.79%-45.3pp | 31.67%-14.2pp |
| Employer contribution / active EE | $1,036 | $1,462-29.2% | $4,154-75.1% | $2,019-48.7% |
| Participant deferral / active EE | $1,222 | $2,055-40.5% | $5,453-77.6% | $3,358-63.6% |
| Admin fee / account holder | $3,496 | $2,250+55.4% | $14,116-75.2% | $3,203+9.1% |