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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 | $27,791 | $76,407-63.6% | $150,298-81.5% | $82,448-66.3% |
| Participation rate | 57.5% | 66.4%-8.9pp | 77.8%-20.3pp | 68.1%-10.6pp |
| Annual return | 22.40% | 39.99%-17.6pp | 62.79%-40.4pp | 41.64%-19.2pp |
| Employer contribution / active EE | $1,763 | $2,614-32.5% | $4,154-57.6% | $2,551-30.9% |
| Participant deferral / active EE | $3,254 | $3,214+1.2% | $5,453-40.3% | $4,139-21.4% |
| Admin fee / account holder | $2,483 | $6,352-60.9% | $14,116-82.4% | $7,234-65.7% |