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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 | $52,633 | $60,442-12.9% | $96,754-45.6% | $87,485-39.8% |
| Participation rate | 45.3% | 58.7%-13.4pp | 70.3%-25.0pp | 68.9%-23.6pp |
| Annual return | 22.86% | 21.97%+0.9pp | 82.04%-59.2pp | 26.06%-3.2pp |
| Employer contribution / active EE | $1,318 | $1,691-22.0% | $2,679-50.8% | $2,596-49.2% |
| Participant deferral / active EE | $2,540 | $3,280-22.6% | $4,758-46.6% | $4,274-40.6% |
| Admin fee / account holder | $1,002 | $5,069-80.2% | $8,905-88.8% | $7,775-87.1% |