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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 | $46,062 | $65,034-29.2% | $90,970-49.4% | $79,856-42.3% |
| Participation rate | 50.0% | 61.6%-11.6pp | 69.0%-19.0pp | 69.6%-19.6pp |
| Annual return | 12.14% | 30.45%-18.3pp | 134.60%-122.5pp | 31.71%-19.6pp |
| Employer contribution / active EE | $1,117 | $1,247-10.5% | $2,122-47.4% | $2,471-54.8% |
| Participant deferral / active EE | $1,345 | $2,512-46.5% | $3,373-60.1% | $3,741-64.1% |
| Admin fee / account holder | $1,465 | $4,536-67.7% | $5,961-75.4% | $5,306-72.4% |