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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 | $42,001 | $112,729-62.7% | $98,716-57.5% | $137,256-69.4% |
| Participation rate | 60.0% | 74.2%-14.2pp | 69.3%-9.3pp | 80.0%-20.0pp |
| Annual return | 16.69% | 38.48%-21.8pp | 31.81%-15.1pp | 220.34%-203.6pp |
| Employer contribution / active EE | $1,177 | $2,725-56.8% | $2,279-48.3% | $4,156-71.7% |
| Participant deferral / active EE | $2,328 | $4,640-49.8% | $4,048-42.5% | $6,407-63.7% |
| Admin fee / account holder | $1,631 | $10,129-83.9% | $8,703-81.3% | $12,270-86.7% |