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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 | $45,740 | $90,170-49.3% | $150,734-69.7% | $69,733-34.4% |
| Participation rate | 34.1% | 60.2%-26.1pp | 78.4%-44.4pp | 62.5%-28.4pp |
| Annual return | 20.52% | 16.56%+4.0pp | 600.81%-580.3pp | 15.22%+5.3pp |
| Employer contribution / active EE | $1,313 | $3,428-61.7% | $4,918-73.3% | $2,250-41.7% |
| Participant deferral / active EE | $2,494 | $3,086-19.2% | $5,610-55.5% | $3,054-18.3% |
| Admin fee / account holder | $2,115 | $4,600-54.0% | $14,905-85.8% | $3,102-31.8% |