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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 | $44,585 | $77,569-42.5% | $115,599-61.4% | $64,097-30.4% |
| Participation rate | 34.5% | 60.7%-26.1pp | 74.3%-39.7pp | 55.2%-20.6pp |
| Annual return | 14.61% | 18.52%-3.9pp | 111.10%-96.5pp | 34.64%-20.0pp |
| Employer contribution / active EE | $1,187 | $1,915-38.0% | $2,955-59.8% | $1,891-37.3% |
| Participant deferral / active EE | $2,024 | $3,327-39.2% | $4,889-58.6% | $3,080-34.3% |
| Admin fee / account holder | $15,377 | $4,470+244.0% | $12,841+19.8% | $3,454+345.1% |