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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 | $40,388 | $88,672-54.5% | $105,223-61.6% | $82,448-51.0% |
| Participation rate | 54.1% | 67.9%-13.8pp | 75.0%-20.9pp | 68.1%-14.0pp |
| Annual return | 13.24% | 30.86%-17.6pp | 180.65%-167.4pp | 41.64%-28.4pp |
| Employer contribution / active EE | $1,764 | $3,048-42.1% | $3,689-52.2% | $2,551-30.8% |
| Participant deferral / active EE | $3,171 | $4,036-21.4% | $5,072-37.5% | $4,139-23.4% |
| Admin fee / account holder | $1,630 | $7,146-77.2% | $8,859-81.6% | $7,234-77.5% |