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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 | $25,546 | $81,358-68.6% | $155,556-83.6% | $80,959-68.4% |
| Participation rate | 35.3% | 66.3%-31.0pp | 78.2%-42.9pp | 67.7%-32.4pp |
| Annual return | 20.60% | 33.39%-12.8pp | 64.84%-44.2pp | 35.67%-15.1pp |
| Employer contribution / active EE | $1,287 | $3,106-58.6% | $4,675-72.5% | $2,757-53.3% |
| Participant deferral / active EE | $2,584 | $3,455-25.2% | $5,631-54.1% | $4,300-39.9% |
| Admin fee / account holder | $2,259 | $7,994-71.7% | $15,885-85.8% | $6,925-67.4% |