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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 | $43,155 | $43,496-0.8% | $161,489-73.3% | $64,340-32.9% |
| Participation rate | 48.0% | 53.5%-5.5pp | 78.7%-30.7pp | 55.2%-7.2pp |
| Annual return | 11.52% | 20.76%-9.2pp | 89.72%-78.2pp | 24.14%-12.6pp |
| Employer contribution / active EE | $362 | $1,431-74.7% | $4,268-91.5% | $1,862-80.5% |
| Participant deferral / active EE | $2,621 | $1,996+31.3% | $5,630-53.5% | $2,980-12.1% |
| Admin fee / account holder | $3,658 | $2,330+57.0% | $16,006-77.1% | $3,703-1.2% |