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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 | $53,908 | $106,749-49.5% | $145,433-62.9% | $82,448-34.6% |
| Participation rate | 37.2% | 75.6%-38.4pp | 82.1%-44.9pp | 68.1%-30.9pp |
| Annual return | 18.24% | 27.59%-9.4pp | 66.58%-48.3pp | 41.64%-23.4pp |
| Employer contribution / active EE | $737 | $3,444-78.6% | $4,554-83.8% | $2,551-71.1% |
| Participant deferral / active EE | $2,805 | $6,519-57.0% | $7,897-64.5% | $4,139-32.2% |
| Admin fee / account holder | $1,639 | $8,390-80.5% | $13,129-87.5% | $7,234-77.3% |