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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 | $28,759 | $81,504-64.7% | $102,437-71.9% | $80,959-64.5% |
| Participation rate | 29.4% | 66.9%-37.4pp | 74.5%-45.1pp | 67.7%-38.3pp |
| Annual return | 12.77% | 25.60%-12.8pp | 24.95%-12.2pp | 35.67%-22.9pp |
| Employer contribution / active EE | $1,462 | $3,104-52.9% | $3,871-62.2% | $2,757-47.0% |
| Participant deferral / active EE | $1,799 | $3,871-53.5% | $5,060-64.4% | $4,300-58.2% |
| Admin fee / account holder | $2,211 | $6,719-67.1% | $8,388-73.6% | $6,925-68.1% |