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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 | $36,831 | $106,588-65.4% | $94,215-60.9% | $155,188-76.3% |
| Participation rate | 47.8% | 74.3%-26.5pp | 70.0%-22.1pp | 80.8%-33.0pp |
| Annual return | 12.76% | 29.39%-16.6pp | 28.22%-15.5pp | 148.84%-136.1pp |
| Employer contribution / active EE | $1,159 | $3,080-62.4% | $2,675-56.7% | $4,248-72.7% |
| Participant deferral / active EE | $2,151 | $4,802-55.2% | $4,276-49.7% | $6,531-67.1% |
| Admin fee / account holder | $2,014 | $12,281-83.6% | $10,216-80.3% | $14,480-86.1% |