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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 | $38,721 | $81,358-52.4% | $155,556-75.1% | $80,959-52.2% |
| Participation rate | 23.6% | 66.3%-42.6pp | 78.2%-54.6pp | 67.7%-44.0pp |
| Annual return | 14.95% | 33.39%-18.4pp | 64.84%-49.9pp | 35.67%-20.7pp |
| Employer contribution / active EE | $1,067 | $3,106-65.6% | $4,675-77.2% | $2,757-61.3% |
| Participant deferral / active EE | $2,091 | $3,455-39.5% | $5,631-62.9% | $4,300-51.4% |
| Admin fee / account holder | $5,789 | $7,994-27.6% | $15,885-63.6% | $6,925-16.4% |