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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 | $42,643 | $65,367-34.8% | $92,915-54.1% | $72,976-41.6% |
| Participation rate | 48.3% | 68.3%-20.0pp | 76.0%-27.7pp | 69.5%-21.2pp |
| Annual return | 23.54% | 42.11%-18.6pp | 109.45%-85.9pp | 81.02%-57.5pp |
| Employer contribution / active EE | $808 | $2,594-68.9% | $3,653-77.9% | $2,440-66.9% |
| Participant deferral / active EE | $2,382 | $3,128-23.9% | $4,238-43.8% | $3,608-34.0% |
| Admin fee / account holder | $740 | $4,251-82.6% | $5,796-87.2% | $5,124-85.6% |