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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 | $38,557 | $55,902-31.0% | $76,030-49.3% | $80,959-52.4% |
| Participation rate | 48.2% | 62.1%-13.9pp | 69.1%-20.8pp | 67.7%-19.5pp |
| Annual return | 17.60% | 20.59%-3.0pp | 361.54%-343.9pp | 35.67%-18.1pp |
| Employer contribution / active EE | $2,128 | $1,867+14.0% | $2,688-20.8% | $2,757-22.8% |
| Participant deferral / active EE | $3,420 | $3,051+12.1% | $4,257-19.7% | $4,300-20.5% |
| Admin fee / account holder | $1,490 | $5,239-71.6% | $6,421-76.8% | $6,925-78.5% |