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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 | $29,025 | $73,988-60.8% | $96,538-69.9% | $75,177-61.4% |
| Participation rate | 57.1% | 66.4%-9.3pp | 74.3%-17.2pp | 67.2%-10.1pp |
| Annual return | 21.12% | 26.73%-5.6pp | 35.74%-14.6pp | 160.75%-139.6pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,799 | $3,660-23.5% | $4,880-42.6% | $4,126-32.2% |
| Admin fee / account holder | $7,390 | $5,220+41.6% | $6,737+9.7% | $5,651+30.8% |