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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 | $45,280 | $43,496+4.1% | $161,489-72.0% | $64,340-29.6% |
| Participation rate | 45.3% | 53.5%-8.2pp | 78.7%-33.4pp | 55.2%-10.0pp |
| Annual return | 16.99% | 20.76%-3.8pp | 89.72%-72.7pp | 24.14%-7.2pp |
| Employer contribution / active EE | $697 | $1,431-51.3% | $4,268-83.7% | $1,862-62.6% |
| Participant deferral / active EE | $2,372 | $1,996+18.8% | $5,630-57.9% | $2,980-20.4% |
| Admin fee / account holder | $3,000 | $2,330+28.7% | $16,006-81.3% | $3,703-19.0% |