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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 | $29,392 | $79,961-63.2% | $98,462-70.1% | $75,177-60.9% |
| Participation rate | 53.2% | 70.4%-17.1pp | 75.2%-21.9pp | 67.2%-14.0pp |
| Annual return | 19.82% | 19.75%+0.1pp | 21.17%-1.4pp | 160.75%-140.9pp |
| Employer contribution / active EE | $1,266 | $2,264-44.1% | $3,049-58.5% | $2,671-52.6% |
| Participant deferral / active EE | $3,004 | $3,753-20.0% | $4,738-36.6% | $4,126-27.2% |
| Admin fee / account holder | $3,742 | $6,842-45.3% | $8,875-57.8% | $5,651-33.8% |