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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 | $43,724 | $55,902-21.8% | $76,030-42.5% | $80,959-46.0% |
| Participation rate | 22.7% | 62.1%-39.3pp | 69.1%-46.3pp | 67.7%-44.9pp |
| Annual return | 15.01% | 20.59%-5.6pp | 361.54%-346.5pp | 35.67%-20.7pp |
| Employer contribution / active EE | $476 | $1,867-74.5% | $2,688-82.3% | $2,757-82.7% |
| Participant deferral / active EE | $1,389 | $3,051-54.5% | $4,257-67.4% | $4,300-67.7% |
| Admin fee / account holder | $2,583 | $5,239-50.7% | $6,421-59.8% | $6,925-62.7% |