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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 | $35,572 | $105,284-66.2% | $150,734-76.4% | $94,015-62.2% |
| Participation rate | 48.6% | 71.7%-23.2pp | 78.4%-29.9pp | 70.8%-22.2pp |
| Annual return | 19.86% | 15.67%+4.2pp | 600.81%-580.9pp | 17.84%+2.0pp |
| Employer contribution / active EE | $1,534 | $3,599-57.4% | $4,918-68.8% | $2,790-45.0% |
| Participant deferral / active EE | $2,680 | $4,274-37.3% | $5,610-52.2% | $4,249-36.9% |
| Admin fee / account holder | $10,014 | $9,839+1.8% | $14,905-32.8% | $8,951+11.9% |