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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 | $25,091 | $43,730-42.6% | $121,220-79.3% | $64,173-60.9% |
| Participation rate | 38.7% | 58.3%-19.6pp | 71.8%-33.0pp | 69.6%-30.9pp |
| Annual return | 7.45% | 68.94%-61.5pp | 16.94%-9.5pp | 7.63%-0.2pp |
| Employer contribution / active EE | $401 | $1,297-69.1% | $4,023-90.0% | $2,381-83.2% |
| Participant deferral / active EE | $1,041 | $2,281-54.3% | $3,345-68.9% | $3,470-70.0% |
| Admin fee / account holder | $2,016 | $3,502-42.4% | $5,021-59.8% | $4,887-58.7% |