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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 | $45,277 | $65,034-30.4% | $90,970-50.2% | $79,856-43.3% |
| Participation rate | 53.8% | 61.6%-7.8pp | 69.0%-15.2pp | 69.6%-15.8pp |
| Annual return | 17.69% | 30.45%-12.8pp | 134.60%-116.9pp | 31.71%-14.0pp |
| Employer contribution / active EE | $1,178 | $1,247-5.6% | $2,122-44.5% | $2,471-52.3% |
| Participant deferral / active EE | $2,360 | $2,512-6.0% | $3,373-30.0% | $3,741-36.9% |
| Admin fee / account holder | $791 | $4,536-82.6% | $5,961-86.7% | $5,306-85.1% |