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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 | $38,923 | $90,745-57.1% | $130,231-70.1% | $75,173-48.2% |
| Participation rate | 30.8% | 71.1%-40.3pp | 76.3%-45.5pp | 67.2%-36.4pp |
| Annual return | 15.37% | 34.45%-19.1pp | 38.86%-23.5pp | 160.72%-145.3pp |
| Employer contribution / active EE | $1,279 | $3,314-61.4% | $4,126-69.0% | $2,671-52.1% |
| Participant deferral / active EE | $2,272 | $5,362-57.6% | $6,799-66.6% | $4,126-44.9% |
| Admin fee / account holder | $3,726 | $6,331-41.2% | $6,020-38.1% | $5,651-34.1% |