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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 | $40,792 | $70,430-42.1% | $96,572-57.8% | $85,851-52.5% |
| Participation rate | 32.3% | 61.8%-29.6pp | 69.8%-37.6pp | 69.3%-37.1pp |
| Annual return | 17.82% | 18.58%-0.8pp | 37.79%-20.0pp | 318.63%-300.8pp |
| Employer contribution / active EE | $1,390 | $1,413-1.6% | $2,357-41.0% | $2,565-45.8% |
| Participant deferral / active EE | $3,644 | $2,894+25.9% | $3,850-5.3% | $3,952-7.8% |
| Admin fee / account holder | $529 | $4,996-89.4% | $6,183-91.4% | $6,261-91.6% |