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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 | $26,988 | $58,851-54.1% | $115,167-76.6% | $72,976-63.0% |
| Participation rate | 47.2% | 65.5%-18.3pp | 75.9%-28.7pp | 69.5%-22.3pp |
| Annual return | 19.72% | 23.16%-3.4pp | 35.60%-15.9pp | 81.02%-61.3pp |
| Employer contribution / active EE | $1,403 | $1,798-22.0% | $3,179-55.9% | $2,440-42.5% |
| Participant deferral / active EE | $1,944 | $2,643-26.4% | $4,169-53.4% | $3,608-46.1% |
| Admin fee / account holder | $908 | $6,370-85.7% | $7,089-87.2% | $5,124-82.3% |