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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 | $39,255 | $48,364-18.8% | $71,796-45.3% | $62,881-37.6% |
| Participation rate | 42.9% | 60.6%-17.8pp | 69.1%-26.3pp | 69.3%-26.4pp |
| Annual return | 5.36% | 13.16%-7.8pp | 78.04%-72.7pp | 20.14%-14.8pp |
| Employer contribution / active EE | $678 | $1,042-34.9% | $1,924-64.8% | $2,281-70.3% |
| Participant deferral / active EE | $1,244 | $2,091-40.5% | $2,794-55.5% | $3,203-61.2% |
| Admin fee / account holder | $355 | $3,771-90.6% | $4,815-92.6% | $4,296-91.7% |