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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 | $42,434 | $71,230-40.4% | $93,727-54.7% | $80,959-47.6% |
| Participation rate | 46.6% | 60.4%-13.8pp | 68.7%-22.1pp | 67.7%-21.1pp |
| Annual return | 25.34% | 11.26%+14.1pp | 133.83%-108.5pp | 35.67%-10.3pp |
| Employer contribution / active EE | $1,379 | $1,565-11.9% | $2,421-43.0% | $2,757-50.0% |
| Participant deferral / active EE | $3,320 | $4,037-17.8% | $4,417-24.8% | $4,300-22.8% |
| Admin fee / account holder | $1,104 | $6,961-84.1% | $8,292-86.7% | $6,925-84.1% |