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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 | $41,449 | $80,983-48.8% | $96,544-57.1% | $75,177-44.9% |
| Participation rate | 60.0% | 71.8%-11.8pp | 76.0%-16.0pp | 67.2%-7.2pp |
| Annual return | 16.83% | 27.05%-10.2pp | 25.88%-9.0pp | 160.75%-143.9pp |
| Employer contribution / active EE | $857 | $2,282-62.4% | $2,966-71.1% | $2,671-67.9% |
| Participant deferral / active EE | $2,738 | $3,929-30.3% | $4,851-43.6% | $4,126-33.6% |
| Admin fee / account holder | $3,603 | $6,717-46.4% | $8,254-56.4% | $5,651-36.2% |