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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 | $44,382 | $59,440-25.3% | $78,004-43.1% | $82,637-46.3% |
| Participation rate | 40.5% | 62.8%-22.3pp | 69.4%-28.9pp | 68.1%-27.5pp |
| Annual return | 16.86% | 40.24%-23.4pp | 31.07%-14.2pp | 53.51%-36.6pp |
| Employer contribution / active EE | $784 | $1,750-55.2% | $2,469-68.3% | $2,552-69.3% |
| Participant deferral / active EE | $2,540 | $3,138-19.1% | $4,092-37.9% | $4,126-38.4% |
| Admin fee / account holder | $856 | $5,504-84.4% | $7,578-88.7% | $7,339-88.3% |