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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 | $36,115 | $70,684-48.9% | $169,390-78.7% | $75,173-52.0% |
| Participation rate | 45.9% | 64.8%-18.9pp | 77.2%-31.2pp | 67.2%-21.3pp |
| Annual return | 21.98% | 36.38%-14.4pp | 406.07%-384.1pp | 160.72%-138.7pp |
| Employer contribution / active EE | $1,414 | $2,211-36.0% | $4,013-64.8% | $2,671-47.0% |
| Participant deferral / active EE | $3,101 | $4,310-28.0% | $6,222-50.2% | $4,126-24.8% |
| Admin fee / account holder | $620 | $5,404-88.5% | $9,015-93.1% | $5,651-89.0% |