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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 | $13,173 | $54,757-75.9% | $90,304-85.4% | $72,975-81.9% |
| Participation rate | 50.0% | 65.2%-15.2pp | 73.3%-23.3pp | 69.5%-19.5pp |
| Annual return | 25.22% | 30.63%-5.4pp | 78.13%-52.9pp | 81.01%-55.8pp |
| Employer contribution / active EE | $1,100 | $2,093-47.5% | $2,855-61.5% | $2,440-54.9% |
| Participant deferral / active EE | $1,948 | $2,887-32.5% | $3,885-49.9% | $3,608-46.0% |
| Admin fee / account holder | $761 | $3,973-80.9% | $5,354-85.8% | $5,124-85.2% |