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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 | $31,553 | $80,781-60.9% | $102,437-69.2% | $74,478-57.6% |
| Participation rate | 36.9% | 65.7%-28.7pp | 74.5%-37.6pp | 67.2%-30.3pp |
| Annual return | 16.11% | 27.58%-11.5pp | 24.95%-8.8pp | 1370.56%-1354.5pp |
| Employer contribution / active EE | $1,382 | $3,160-56.3% | $3,871-64.3% | $2,626-47.4% |
| Participant deferral / active EE | $2,821 | $3,862-26.9% | $5,060-44.2% | $4,350-35.1% |
| Admin fee / account holder | $3,690 | $2,372+55.5% | $8,388-56.0% | $1,946+89.6% |