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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 | $40,802 | $64,359-36.6% | $90,161-54.7% | $70,126-41.8% |
| Participation rate | 48.8% | 70.4%-21.6pp | 76.9%-28.0pp | 69.5%-20.7pp |
| Annual return | 20.83% | 28.13%-7.3pp | 34.89%-14.1pp | 73.15%-52.3pp |
| Employer contribution / active EE | $1,805 | $2,046-11.8% | $3,318-45.6% | $2,343-23.0% |
| Participant deferral / active EE | $2,718 | $4,389-38.1% | $5,287-48.6% | $3,332-18.4% |
| Admin fee / account holder | $761 | $3,945-80.7% | $5,943-87.2% | $4,645-83.6% |