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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 | $26,583 | $57,541-53.8% | $95,740-72.2% | $75,173-64.6% |
| Participation rate | 51.5% | 62.5%-11.0pp | 72.3%-20.7pp | 67.2%-15.7pp |
| Annual return | 27.10% | 34.93%-7.8pp | 28.41%-1.3pp | 160.72%-133.6pp |
| Employer contribution / active EE | $1,178 | $1,808-34.8% | $2,836-58.5% | $2,671-55.9% |
| Participant deferral / active EE | $2,525 | $3,074-17.8% | $4,244-40.5% | $4,126-38.8% |
| Admin fee / account holder | $1,017 | $4,099-75.2% | $5,676-82.1% | $5,651-82.0% |