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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 | $43,365 | $78,423-44.7% | $95,964-54.8% | $79,856-45.7% |
| Participation rate | 52.9% | 73.5%-20.6pp | 77.1%-24.1pp | 69.6%-16.7pp |
| Annual return | 16.59% | 19.37%-2.8pp | 91.64%-75.1pp | 31.71%-15.1pp |
| Employer contribution / active EE | $1,420 | $1,945-27.0% | $2,541-44.1% | $2,471-42.5% |
| Participant deferral / active EE | $2,200 | $3,440-36.0% | $4,167-47.2% | $3,741-41.2% |
| Admin fee / account holder | $6,696 | $5,622+19.1% | $6,797-1.5% | $5,306+26.2% |