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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 | $38,098 | $81,358-53.2% | $155,556-75.5% | $80,959-52.9% |
| Participation rate | 44.1% | 66.3%-22.2pp | 78.2%-34.1pp | 67.7%-23.6pp |
| Annual return | 13.90% | 33.39%-19.5pp | 64.84%-50.9pp | 35.67%-21.8pp |
| Employer contribution / active EE | $772 | $3,106-75.2% | $4,675-83.5% | $2,757-72.0% |
| Participant deferral / active EE | $1,510 | $3,455-56.3% | $5,631-73.2% | $4,300-64.9% |
| Admin fee / account holder | $1,265 | $7,994-84.2% | $15,885-92.0% | $6,925-81.7% |