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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 | $40,205 | $81,358-50.6% | $155,556-74.2% | $80,959-50.3% |
| Participation rate | 59.7% | 66.3%-6.6pp | 78.2%-18.5pp | 67.7%-8.0pp |
| Annual return | 14.54% | 33.39%-18.8pp | 64.84%-50.3pp | 35.67%-21.1pp |
| Employer contribution / active EE | $603 | $3,106-80.6% | $4,675-87.1% | $2,757-78.1% |
| Participant deferral / active EE | $4,187 | $3,455+21.2% | $5,631-25.6% | $4,300-2.6% |
| Admin fee / account holder | $2,245 | $7,994-71.9% | $15,885-85.9% | $6,925-67.6% |