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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 | $29,934 | $77,920-61.6% | $149,723-80.0% | $75,177-60.2% |
| Participation rate | 53.3% | 65.6%-12.2pp | 78.8%-25.4pp | 67.2%-13.9pp |
| Annual return | 19.54% | 31.72%-12.2pp | 134.50%-115.0pp | 160.75%-141.2pp |
| Employer contribution / active EE | $1,919 | $3,138-38.8% | $4,821-60.2% | $2,671-28.1% |
| Participant deferral / active EE | $2,234 | $3,411-34.5% | $5,682-60.7% | $4,126-45.9% |
| Admin fee / account holder | $1,627 | $5,951-72.7% | $13,215-87.7% | $5,651-71.2% |