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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 | $47,032 | $71,230-34.0% | $93,727-49.8% | $80,959-41.9% |
| Participation rate | 43.1% | 60.4%-17.3pp | 68.7%-25.6pp | 67.7%-24.6pp |
| Annual return | 16.14% | 11.26%+4.9pp | 133.83%-117.7pp | 35.67%-19.5pp |
| Employer contribution / active EE | $683 | $1,565-56.4% | $2,421-71.8% | $2,757-75.2% |
| Participant deferral / active EE | $3,831 | $4,037-5.1% | $4,417-13.3% | $4,300-10.9% |
| Admin fee / account holder | $3,731 | $6,961-46.4% | $8,292-55.0% | $6,925-46.1% |