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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 | $33,291 | $60,442-44.9% | $96,754-65.6% | $87,485-61.9% |
| Participation rate | 44.4% | 58.7%-14.3pp | 70.3%-25.8pp | 68.9%-24.5pp |
| Annual return | 20.39% | 21.97%-1.6pp | 82.04%-61.6pp | 26.06%-5.7pp |
| Employer contribution / active EE | $899 | $1,691-46.8% | $2,679-66.4% | $2,596-65.4% |
| Participant deferral / active EE | $2,340 | $3,280-28.7% | $4,758-50.8% | $4,274-45.2% |
| Admin fee / account holder | $4,455 | $5,069-12.1% | $8,905-50.0% | $7,775-42.7% |