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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 | $48,311 | $71,230-32.2% | $93,727-48.5% | $80,959-40.3% |
| Participation rate | 42.9% | 60.4%-17.5pp | 68.7%-25.9pp | 67.7%-24.8pp |
| Annual return | 14.96% | 11.26%+3.7pp | 133.83%-118.9pp | 35.67%-20.7pp |
| Employer contribution / active EE | $1,213 | $1,565-22.5% | $2,421-49.9% | $2,757-56.0% |
| Participant deferral / active EE | $2,980 | $4,037-26.2% | $4,417-32.5% | $4,300-30.7% |
| Admin fee / account holder | $4,719 | $6,961-32.2% | $8,292-43.1% | $6,925-31.9% |