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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 | $28,121 | $49,255-42.9% | $70,494-60.1% | $79,856-64.8% |
| Participation rate | 45.3% | 69.2%-23.8pp | 75.1%-29.7pp | 69.6%-24.3pp |
| Annual return | 25.64% | 30.10%-4.5pp | 109.16%-83.5pp | 31.71%-6.1pp |
| Employer contribution / active EE | $978 | $2,100-53.4% | $2,738-64.3% | $2,471-60.4% |
| Participant deferral / active EE | $4,150 | $2,768+49.9% | $3,711+11.8% | $3,741+10.9% |
| Admin fee / account holder | $301 | $2,879-89.5% | $3,848-92.2% | $5,306-94.3% |