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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 | $33,252 | $62,672-46.9% | $185,117-82.0% | $70,126-52.6% |
| Participation rate | 46.4% | 63.8%-17.3pp | 77.3%-30.8pp | 69.5%-23.1pp |
| Annual return | 28.44% | 40.79%-12.4pp | 40.50%-12.1pp | 73.15%-44.7pp |
| Employer contribution / active EE | $864 | $1,753-50.7% | $4,182-79.3% | $2,343-63.1% |
| Participant deferral / active EE | $1,886 | $3,272-42.4% | $5,045-62.6% | $3,332-43.4% |
| Admin fee / account holder | $3,699 | $3,932-5.9% | $8,159-54.7% | $4,645-20.4% |