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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 | $41,438 | $49,255-15.9% | $70,494-41.2% | $79,856-48.1% |
| Participation rate | 45.1% | 69.2%-24.1pp | 75.1%-30.0pp | 69.6%-24.5pp |
| Annual return | 12.46% | 30.10%-17.6pp | 109.16%-96.7pp | 31.71%-19.2pp |
| Employer contribution / active EE | $1,476 | $2,100-29.7% | $2,738-46.1% | $2,471-40.3% |
| Participant deferral / active EE | $1,057 | $2,768-61.8% | $3,711-71.5% | $3,741-71.7% |
| Admin fee / account holder | $2,694 | $2,879-6.4% | $3,848-30.0% | $5,306-49.2% |