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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 | $49,008 | $59,440-17.6% | $78,004-37.2% | $82,637-40.7% |
| Participation rate | 42.2% | 62.8%-20.6pp | 69.4%-27.2pp | 68.1%-25.8pp |
| Annual return | 15.09% | 40.24%-25.2pp | 31.07%-16.0pp | 53.51%-38.4pp |
| Employer contribution / active EE | $511 | $1,750-70.8% | $2,469-79.3% | $2,552-80.0% |
| Participant deferral / active EE | $2,198 | $3,138-30.0% | $4,092-46.3% | $4,126-46.7% |
| Admin fee / account holder | $4,281 | $5,504-22.2% | $7,578-43.5% | $7,339-41.7% |