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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 | $40,046 | $51,222-21.8% | $70,544-43.2% | $75,173-46.7% |
| Participation rate | 32.0% | 61.0%-29.0pp | 68.4%-36.4pp | 67.2%-35.2pp |
| Annual return | 16.91% | 30.06%-13.1pp | 32.79%-15.9pp | 160.72%-143.8pp |
| Employer contribution / active EE | $518 | $1,827-71.7% | $2,976-82.6% | $2,671-80.6% |
| Participant deferral / active EE | $1,970 | $2,850-30.9% | $4,568-56.9% | $4,126-52.3% |
| Admin fee / account holder | $4,952 | $4,096+20.9% | $6,427-23.0% | $5,651-12.4% |