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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 | $23,945 | $65,395-63.4% | $182,531-86.9% | $72,983-67.2% |
| Participation rate | 46.7% | 65.4%-18.8pp | 78.0%-31.3pp | 69.5%-22.8pp |
| Annual return | 34.41% | 27.68%+6.7pp | 148.57%-114.2pp | 81.01%-46.6pp |
| Employer contribution / active EE | $1,242 | $1,911-35.0% | $4,075-69.5% | $2,440-49.1% |
| Participant deferral / active EE | $2,004 | $3,563-43.7% | $5,525-63.7% | $3,608-44.4% |
| Admin fee / account holder | $639 | $4,245-84.9% | $8,593-92.6% | $5,124-87.5% |