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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 | $46,313 | $110,337-58.0% | $102,383-54.8% | $145,877-68.3% |
| Participation rate | 30.4% | 77.9%-47.5pp | 74.5%-44.1pp | 80.3%-49.9pp |
| Annual return | 12.32% | 24.83%-12.5pp | 24.94%-12.6pp | 551.28%-539.0pp |
| Employer contribution / active EE | $942 | $4,216-77.7% | $3,870-75.7% | $4,663-79.8% |
| Participant deferral / active EE | $1,952 | $5,621-65.3% | $5,060-61.4% | $6,691-70.8% |
| Admin fee / account holder | $1,421 | $9,750-85.4% | $8,391-83.1% | $13,402-89.4% |