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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 | $43,080 | $45,119-4.5% | $85,126-49.4% | $74,429-42.1% |
| Participation rate | 26.6% | 49.4%-22.8pp | 67.5%-40.9pp | 67.2%-40.6pp |
| Annual return | 12.77% | 26.28%-13.5pp | 66.63%-53.9pp | 1368.38%-1355.6pp |
| Employer contribution / active EE | $578 | $1,460-60.4% | $2,731-78.8% | $2,625-78.0% |
| Participant deferral / active EE | $1,373 | $2,738-49.9% | $4,523-69.7% | $4,348-68.4% |
| Admin fee / account holder | $871 | $2,214-60.6% | $6,160-85.9% | $1,944-55.2% |