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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 | $36,649 | $78,428-53.3% | $95,960-61.8% | $79,852-54.1% |
| Participation rate | 52.1% | 73.5%-21.4pp | 77.1%-25.0pp | 69.6%-17.6pp |
| Annual return | 14.70% | 19.37%-4.7pp | 91.63%-76.9pp | 31.72%-17.0pp |
| Employer contribution / active EE | $520 | $1,945-73.3% | $2,541-79.5% | $2,471-79.0% |
| Participant deferral / active EE | $2,186 | $3,440-36.4% | $4,167-47.5% | $3,740-41.6% |
| Admin fee / account holder | $1,494 | $5,622-73.4% | $6,797-78.0% | $5,306-71.8% |