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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 | $20,414 | $51,606-60.4% | $129,339-84.2% | $80,911-74.8% |
| Participation rate | 55.0% | 57.0%-2.0pp | 69.6%-14.6pp | 67.6%-12.6pp |
| Annual return | 19.74% | 20.76%-1.0pp | 9437.05%-9417.3pp | 35.63%-15.9pp |
| Employer contribution / active EE | $1,036 | $1,582-34.5% | $4,154-75.1% | $2,756-62.4% |
| Participant deferral / active EE | $3,236 | $2,669+21.3% | $4,170-22.4% | $4,297-24.7% |
| Admin fee / account holder | $620 | $4,310-85.6% | $7,668-91.9% | $6,935-91.1% |