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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 | $71,197-33.9% | $93,669-49.8% | $80,925-41.9% |
| Participation rate | 43.1% | 60.4%-17.3pp | 68.7%-25.6pp | 67.7%-24.6pp |
| Annual return | 16.14% | 11.27%+4.9pp | 133.59%-117.4pp | 35.65%-19.5pp |
| Employer contribution / active EE | $683 | $1,565-56.3% | $2,424-71.8% | $2,756-75.2% |
| Participant deferral / active EE | $3,831 | $4,036-5.1% | $4,416-13.2% | $4,299-10.9% |
| Admin fee / account holder | $3,731 | $6,959-46.4% | $8,291-55.0% | $6,940-46.2% |