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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 | $47,459 | $52,279-9.2% | $89,435-46.9% | $79,856-40.6% |
| Participation rate | 47.3% | 57.5%-10.3pp | 68.0%-20.7pp | 69.6%-22.4pp |
| Annual return | 14.00% | 22.16%-8.2pp | 245.55%-231.6pp | 31.71%-17.7pp |
| Employer contribution / active EE | $539 | $1,572-65.7% | $2,587-79.1% | $2,471-78.2% |
| Participant deferral / active EE | $3,126 | $2,740+14.1% | $3,890-19.6% | $3,741-16.4% |
| Admin fee / account holder | $944 | $3,356-71.9% | $4,884-80.7% | $5,306-82.2% |