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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 | $124,980-66.4% | $108,359-61.2% | $154,746-72.9% |
| Participation rate | 60.0% | 75.2%-15.2pp | 70.1%-10.1pp | 80.7%-20.7pp |
| Annual return | 16.69% | 45.00%-28.3pp | 36.89%-20.2pp | 172.34%-155.6pp |
| Employer contribution / active EE | $1,177 | $2,851-58.7% | $2,399-50.9% | $4,379-73.1% |
| Participant deferral / active EE | $2,328 | $4,743-50.9% | $4,137-43.7% | $6,730-65.4% |
| Admin fee / account holder | $1,631 | $11,502-85.8% | $9,741-83.3% | $14,365-88.6% |