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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 | $42,588 | $48,053-11.4% | $84,628-49.7% | $72,975-41.6% |
| Participation rate | 36.4% | 57.6%-21.2pp | 68.2%-31.9pp | 69.5%-33.1pp |
| Annual return | 19.25% | 37.39%-18.1pp | 258.80%-239.5pp | 81.01%-61.8pp |
| Employer contribution / active EE | $896 | $1,602-44.1% | $2,653-66.2% | $2,440-63.3% |
| Participant deferral / active EE | $2,306 | $2,681-14.0% | $3,900-40.9% | $3,608-36.1% |
| Admin fee / account holder | $572 | $3,395-83.1% | $4,914-88.4% | $5,124-88.8% |