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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 | $47,922 | $117,895-59.4% | $102,460-53.2% | $145,897-67.2% |
| Participation rate | 55.0% | 78.6%-23.6pp | 76.5%-21.5pp | 80.3%-25.3pp |
| Annual return | 14.46% | 31.92%-17.5pp | 29.47%-15.0pp | 552.29%-537.8pp |
| Employer contribution / active EE | $1,405 | $3,619-61.2% | $3,025-53.6% | $4,663-69.9% |
| Participant deferral / active EE | $4,553 | $5,736-20.6% | $5,056-10.0% | $6,689-31.9% |
| Admin fee / account holder | $966 | $13,353-92.8% | $9,460-89.8% | $13,390-92.8% |