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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 | $33,683 | $54,763-38.5% | $90,324-62.7% | $72,976-53.8% |
| Participation rate | 40.7% | 65.2%-24.4pp | 73.3%-32.5pp | 69.5%-28.7pp |
| Annual return | 23.72% | 30.63%-6.9pp | 78.15%-54.4pp | 81.02%-57.3pp |
| Employer contribution / active EE | $543 | $2,093-74.1% | $2,856-81.0% | $2,440-77.8% |
| Participant deferral / active EE | $2,346 | $2,887-18.7% | $3,885-39.6% | $3,608-35.0% |
| Admin fee / account holder | $480 | $3,973-87.9% | $5,356-91.0% | $5,124-90.6% |