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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 | $40,494 | $45,343-10.7% | $150,298-73.1% | $67,986-40.4% |
| Participation rate | 45.2% | 51.9%-6.7pp | 77.8%-32.6pp | 57.2%-12.0pp |
| Annual return | 14.99% | 33.28%-18.3pp | 62.79%-47.8pp | 31.67%-16.7pp |
| Employer contribution / active EE | $273 | $1,462-81.4% | $4,154-93.4% | $2,019-86.5% |
| Participant deferral / active EE | $1,240 | $2,055-39.7% | $5,453-77.3% | $3,358-63.1% |
| Admin fee / account holder | $3,013 | $2,250+33.9% | $14,116-78.7% | $3,203-6.0% |