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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 | $40,876 | $46,688-12.4% | $189,758-78.5% | $69,733-41.4% |
| Participation rate | 39.0% | 61.7%-22.7pp | 79.8%-40.8pp | 62.5%-23.5pp |
| Annual return | 12.55% | 14.35%-1.8pp | 52.62%-40.1pp | 15.22%-2.7pp |
| Employer contribution / active EE | $500 | $1,695-70.5% | $4,767-89.5% | $2,250-77.8% |
| Participant deferral / active EE | $984 | $2,143-54.1% | $5,856-83.2% | $3,054-67.8% |
| Admin fee / account holder | $8,135 | $1,700+378.4% | $20,388-60.1% | $3,102+162.2% |