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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 | $44,038 | $80,992-45.6% | $96,534-54.4% | $75,173-41.4% |
| Participation rate | 55.0% | 71.8%-16.8pp | 76.0%-21.0pp | 67.2%-12.2pp |
| Annual return | 13.08% | 27.05%-14.0pp | 25.88%-12.8pp | 160.72%-147.6pp |
| Employer contribution / active EE | $1,120 | $2,283-50.9% | $2,965-62.2% | $2,671-58.1% |
| Participant deferral / active EE | $1,915 | $3,929-51.3% | $4,851-60.5% | $4,126-53.6% |
| Admin fee / account holder | $514 | $6,717-92.4% | $8,253-93.8% | $5,651-90.9% |