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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 | $35,313 | $61,391-42.5% | $149,723-76.4% | $71,529-50.6% |
| Participation rate | 45.9% | 62.5%-16.6pp | 78.8%-32.9pp | 67.9%-22.1pp |
| Annual return | 18.01% | 35.88%-17.9pp | 134.50%-116.5pp | 28.97%-11.0pp |
| Employer contribution / active EE | $875 | $2,384-63.3% | $4,821-81.8% | $2,590-66.2% |
| Participant deferral / active EE | $2,432 | $2,921-16.7% | $5,682-57.2% | $4,291-43.3% |
| Admin fee / account holder | $1,034 | $1,264-18.2% | $13,215-92.2% | $1,588-34.9% |