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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 | $41,908 | $72,273-42.0% | $101,275-58.6% | $79,856-47.5% |
| Participation rate | 42.9% | 68.5%-25.6pp | 75.8%-33.0pp | 69.6%-26.8pp |
| Annual return | 31.44% | 22.30%+9.1pp | 46.48%-15.0pp | 31.71%-0.3pp |
| Employer contribution / active EE | $1,532 | $2,691-43.1% | $3,660-58.1% | $2,471-38.0% |
| Participant deferral / active EE | $2,256 | $3,282-31.3% | $4,371-48.4% | $3,741-39.7% |
| Admin fee / account holder | $1,781 | $4,401-59.5% | $5,948-70.0% | $5,306-66.4% |