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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 | $30,429 | $58,099-47.6% | $76,872-60.4% | $75,173-59.5% |
| Participation rate | 50.5% | 63.9%-13.3pp | 69.6%-19.0pp | 67.2%-16.7pp |
| Annual return | 19.26% | 26.71%-7.4pp | 37.90%-18.6pp | 160.72%-141.5pp |
| Employer contribution / active EE | $709 | $1,996-64.4% | $2,533-72.0% | $2,671-73.4% |
| Participant deferral / active EE | $2,156 | $2,999-28.1% | $3,832-43.7% | $4,126-47.7% |
| Admin fee / account holder | $2,131 | $4,778-55.4% | $5,476-61.1% | $5,651-62.3% |