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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 | $42,365 | $54,763-22.6% | $90,324-53.1% | $72,976-41.9% |
| Participation rate | 45.7% | 65.2%-19.5pp | 73.3%-27.6pp | 69.5%-23.8pp |
| Annual return | 24.01% | 30.63%-6.6pp | 78.15%-54.1pp | 81.02%-57.0pp |
| Employer contribution / active EE | $1,009 | $2,093-51.8% | $2,856-64.7% | $2,440-58.7% |
| Participant deferral / active EE | $2,850 | $2,887-1.3% | $3,885-26.6% | $3,608-21.0% |
| Admin fee / account holder | $558 | $3,973-85.9% | $5,356-89.6% | $5,124-89.1% |