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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 | $39,789 | $65,364-39.1% | $92,909-57.2% | $72,975-45.5% |
| Participation rate | 42.9% | 68.3%-25.5pp | 76.0%-33.1pp | 69.5%-26.6pp |
| Annual return | 19.33% | 42.11%-22.8pp | 109.44%-90.1pp | 81.01%-61.7pp |
| Employer contribution / active EE | $1,421 | $2,594-45.2% | $3,653-61.1% | $2,440-41.8% |
| Participant deferral / active EE | $2,235 | $3,128-28.5% | $4,238-47.3% | $3,608-38.0% |
| Admin fee / account holder | $2,145 | $4,251-49.5% | $5,795-63.0% | $5,124-58.1% |