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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 | $27,040 | $117,829-77.1% | $102,423-73.6% | $145,877-81.5% |
| Participation rate | 33.3% | 78.6%-45.3pp | 76.5%-43.2pp | 80.3%-47.0pp |
| Annual return | 13.50% | 31.83%-18.3pp | 29.42%-15.9pp | 551.28%-537.8pp |
| Employer contribution / active EE | $1,498 | $3,615-58.6% | $3,023-50.4% | $4,663-67.9% |
| Participant deferral / active EE | $4,055 | $5,732-29.3% | $5,054-19.8% | $6,691-39.4% |
| Admin fee / account holder | $1,034 | $13,335-92.2% | $9,455-89.1% | $13,402-92.3% |