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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 | $41,514 | $77,920-46.7% | $149,723-72.3% | $75,177-44.8% |
| Participation rate | 19.1% | 65.6%-46.4pp | 78.8%-59.6pp | 67.2%-48.1pp |
| Annual return | 21.12% | 31.72%-10.6pp | 134.50%-113.4pp | 160.75%-139.6pp |
| Employer contribution / active EE | $1,172 | $3,138-62.7% | $4,821-75.7% | $2,671-56.1% |
| Participant deferral / active EE | $2,484 | $3,411-27.2% | $5,682-56.3% | $4,126-39.8% |
| Admin fee / account holder | $2,993 | $5,951-49.7% | $13,215-77.4% | $5,651-47.0% |