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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 | $55,144 | $65,367-15.6% | $92,915-40.7% | $72,976-24.4% |
| Participation rate | 32.3% | 68.3%-36.1pp | 76.0%-43.7pp | 69.5%-37.2pp |
| Annual return | 23.96% | 42.11%-18.1pp | 109.45%-85.5pp | 81.02%-57.1pp |
| Employer contribution / active EE | $782 | $2,594-69.8% | $3,653-78.6% | $2,440-67.9% |
| Participant deferral / active EE | $1,772 | $3,128-43.4% | $4,238-58.2% | $3,608-50.9% |
| Admin fee / account holder | $840 | $4,251-80.2% | $5,796-85.5% | $5,124-83.6% |