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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 | $42,726 | $81,358-47.5% | $155,556-72.5% | $80,959-47.2% |
| Participation rate | 40.0% | 66.3%-26.3pp | 78.2%-38.2pp | 67.7%-27.7pp |
| Annual return | 13.81% | 33.39%-19.6pp | 64.84%-51.0pp | 35.67%-21.9pp |
| Employer contribution / active EE | $1,099 | $3,106-64.6% | $4,675-76.5% | $2,757-60.1% |
| Participant deferral / active EE | $4,034 | $3,455+16.7% | $5,631-28.4% | $4,300-6.2% |
| Admin fee / account holder | $2,646 | $7,994-66.9% | $15,885-83.3% | $6,925-61.8% |