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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 | $50,387 | $81,262-38.0% | $155,602-67.6% | $80,911-37.7% |
| Participation rate | 45.2% | 66.2%-21.1pp | 78.2%-33.0pp | 67.6%-22.5pp |
| Annual return | 11.96% | 33.34%-21.4pp | 64.81%-52.9pp | 35.63%-23.7pp |
| Employer contribution / active EE | $1,324 | $3,102-57.3% | $4,675-71.7% | $2,756-51.9% |
| Participant deferral / active EE | $2,652 | $3,451-23.2% | $5,629-52.9% | $4,297-38.3% |
| Admin fee / account holder | $719 | $7,992-91.0% | $15,923-95.5% | $6,935-89.6% |