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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 | $49,935 | $52,279-4.5% | $89,414-44.2% | $79,852-37.5% |
| Participation rate | 41.9% | 57.5%-15.7pp | 68.0%-26.1pp | 69.6%-27.8pp |
| Annual return | 15.88% | 22.16%-6.3pp | 245.50%-229.6pp | 31.72%-15.8pp |
| Employer contribution / active EE | $1,474 | $1,572-6.2% | $2,586-43.0% | $2,471-40.3% |
| Participant deferral / active EE | $2,822 | $2,740+3.0% | $3,890-27.4% | $3,740-24.6% |
| Admin fee / account holder | $8,498 | $3,356+153.2% | $4,883+74.0% | $5,306+60.2% |