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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 | $37,005 | $80,781-54.2% | $102,437-63.9% | $74,478-50.3% |
| Participation rate | 42.5% | 65.7%-23.2pp | 74.5%-32.0pp | 67.2%-24.7pp |
| Annual return | 11.34% | 27.58%-16.2pp | 24.95%-13.6pp | 1370.56%-1359.2pp |
| Employer contribution / active EE | $1,275 | $3,160-59.6% | $3,871-67.1% | $2,626-51.4% |
| Participant deferral / active EE | $2,419 | $3,862-37.4% | $5,060-52.2% | $4,350-44.4% |
| Admin fee / account holder | $994 | $2,372-58.1% | $8,388-88.2% | $1,946-48.9% |