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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 | $41,691 | $124,330-66.5% | $109,173-61.8% | $167,536-75.1% |
| Participation rate | 47.4% | 79.5%-32.1pp | 75.9%-28.5pp | 82.1%-34.7pp |
| Annual return | 15.56% | 26.04%-10.5pp | 25.75%-10.2pp | 478.82%-463.3pp |
| Employer contribution / active EE | $1,309 | $4,209-68.9% | $3,723-64.8% | $4,839-72.9% |
| Participant deferral / active EE | $1,788 | $5,256-66.0% | $4,654-61.6% | $6,342-71.8% |
| Admin fee / account holder | $857 | $7,974-89.3% | $6,755-87.3% | $12,315-93.0% |