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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 | $44,168 | $81,358-45.7% | $155,556-71.6% | $80,959-45.4% |
| Participation rate | 29.6% | 66.3%-36.6pp | 78.2%-48.6pp | 67.7%-38.0pp |
| Annual return | 14.61% | 33.39%-18.8pp | 64.84%-50.2pp | 35.67%-21.1pp |
| Employer contribution / active EE | $706 | $3,106-77.3% | $4,675-84.9% | $2,757-74.4% |
| Participant deferral / active EE | $1,100 | $3,455-68.2% | $5,631-80.5% | $4,300-74.4% |
| Admin fee / account holder | $5,000 | $7,994-37.5% | $15,885-68.5% | $6,925-27.8% |