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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 | $44,020 | $98,240-55.2% | $82,313-46.5% | $147,585-70.2% |
| Participation rate | 47.1% | 79.7%-32.7pp | 76.9%-29.8pp | 82.8%-35.8pp |
| Annual return | 19.87% | 30.85%-11.0pp | 25.88%-6.0pp | 578.58%-558.7pp |
| Employer contribution / active EE | $661 | $3,192-79.3% | $2,428-72.8% | $4,876-86.4% |
| Participant deferral / active EE | $1,581 | $4,383-63.9% | $3,706-57.3% | $5,439-70.9% |
| Admin fee / account holder | $3,538 | $8,563-58.7% | $5,608-36.9% | $10,886-67.5% |