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 | $39,346 | $70,430-44.1% | $96,583-59.3% | $85,852-54.2% |
| Participation rate | 40.7% | 61.8%-21.2pp | 69.8%-29.2pp | 69.3%-28.7pp |
| Annual return | 13.92% | 18.58%-4.7pp | 37.79%-23.9pp | 318.66%-304.7pp |
| Employer contribution / active EE | $500 | $1,413-64.6% | $2,357-78.8% | $2,566-80.5% |
| Participant deferral / active EE | $1,481 | $2,894-48.8% | $3,850-61.5% | $3,952-62.5% |
| Admin fee / account holder | $2,965 | $4,996-40.6% | $6,184-52.0% | $6,261-52.6% |