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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 | $27,652 | $68,852-59.8% | $120,524-77.1% | $80,925-65.8% |
| Participation rate | 45.5% | 61.6%-16.2pp | 71.9%-26.5pp | 67.7%-22.2pp |
| Annual return | 13.44% | 23.67%-10.2pp | 107.36%-93.9pp | 35.65%-22.2pp |
| Employer contribution / active EE | $1,452 | $2,063-29.6% | $3,469-58.1% | $2,756-47.3% |
| Participant deferral / active EE | $1,594 | $3,187-50.0% | $4,994-68.1% | $4,299-62.9% |
| Admin fee / account holder | $2,153 | $5,781-62.8% | $9,440-77.2% | $6,940-69.0% |