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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 | $36,337 | $156,616-76.8% | $133,346-72.8% | $198,609-81.7% |
| Participation rate | 46.2% | 77.7%-31.6pp | 72.8%-26.7pp | 82.4%-36.2pp |
| Annual return | 13.51% | 44.25%-30.7pp | 36.85%-23.3pp | 202.70%-189.2pp |
| Employer contribution / active EE | $1,398 | $3,368-58.5% | $2,853-51.0% | $5,055-72.3% |
| Participant deferral / active EE | $4,858 | $4,920-1.3% | $4,332+12.1% | $6,977-30.4% |
| Admin fee / account holder | $4,628 | $17,468-73.5% | $14,264-67.6% | $19,030-75.7% |