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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 | $30,738 | $78,682-60.9% | $109,188-71.8% | $85,851-64.2% |
| Participation rate | 56.8% | 68.3%-11.5pp | 75.9%-19.1pp | 69.3%-12.5pp |
| Annual return | 13.64% | 25.09%-11.5pp | 25.76%-12.1pp | 318.63%-305.0pp |
| Employer contribution / active EE | $1,460 | $2,734-46.6% | $3,723-60.8% | $2,565-43.1% |
| Participant deferral / active EE | $2,395 | $3,468-30.9% | $4,654-48.5% | $3,952-39.4% |
| Admin fee / account holder | $1,471 | $5,470-73.1% | $6,755-78.2% | $6,261-76.5% |