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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 | $32,428 | $93,346-65.3% | $71,796-54.8% | $273,972-88.2% |
| Participation rate | 41.2% | 76.5%-35.4pp | 69.1%-27.9pp | 83.0%-41.8pp |
| Annual return | 7.25% | 130.39%-123.1pp | 78.04%-70.8pp | 41.46%-34.2pp |
| Employer contribution / active EE | $3,303 | $2,733+20.8% | $1,924+71.6% | $4,869-32.2% |
| Participant deferral / active EE | $3,186 | $3,475-8.3% | $2,794+14.0% | $5,287-39.8% |
| Admin fee / account holder | $917 | $6,571-86.1% | $4,815-81.0% | $10,133-91.0% |