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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 | $56,899 | $81,331-30.0% | $155,534-63.4% | $80,935-29.7% |
| Participation rate | 28.2% | 66.3%-38.1pp | 78.2%-50.0pp | 67.7%-39.5pp |
| Annual return | 12.78% | 33.37%-20.6pp | 64.92%-52.1pp | 35.66%-22.9pp |
| Employer contribution / active EE | $549 | $3,105-82.3% | $4,675-88.3% | $2,757-80.1% |
| Participant deferral / active EE | $2,477 | $3,454-28.3% | $5,630-56.0% | $4,299-42.4% |
| Admin fee / account holder | $3,278 | $7,999-59.0% | $15,900-79.4% | $6,924-52.7% |