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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 | $43,093 | $93,589-54.0% | $135,942-68.3% | $75,181-42.7% |
| Participation rate | 50.0% | 75.2%-25.2pp | 81.9%-31.9pp | 67.2%-17.2pp |
| Annual return | 18.42% | 30.90%-12.5pp | 68.28%-49.9pp | 160.69%-142.3pp |
| Employer contribution / active EE | $823 | $3,537-76.7% | $4,858-83.1% | $2,671-69.2% |
| Participant deferral / active EE | $2,932 | $6,405-54.2% | $7,759-62.2% | $4,126-28.9% |
| Admin fee / account holder | $3,215 | $6,977-53.9% | $10,764-70.1% | $5,650-43.1% |