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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 | $44,091 | $108,212-59.3% | $77,513-43.1% | $158,966-72.3% |
| Participation rate | 26.1% | 64.4%-38.3pp | 54.2%-28.1pp | 82.0%-55.9pp |
| Annual return | 24.32% | 31.67%-7.4pp | 54.81%-30.5pp | 302.95%-278.6pp |
| Employer contribution / active EE | $381 | $1,325-71.2% | $987-61.4% | $4,762-92.0% |
| Participant deferral / active EE | $980 | $2,455-60.1% | $1,861-47.4% | $5,983-83.6% |
| Admin fee / account holder | $403 | $3,709-89.1% | $2,859-85.9% | $11,250-96.4% |