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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 | $44,892 | $63,354-29.1% | $94,105-52.3% | $82,637-45.7% |
| Participation rate | 45.9% | 63.8%-17.9pp | 71.9%-26.0pp | 68.1%-22.1pp |
| Annual return | 15.88% | 34.36%-18.5pp | 204.55%-188.7pp | 53.51%-37.6pp |
| Employer contribution / active EE | $1,345 | $1,760-23.6% | $2,504-46.3% | $2,552-47.3% |
| Participant deferral / active EE | $1,817 | $2,873-36.8% | $3,881-53.2% | $4,126-56.0% |
| Admin fee / account holder | $2,864 | $5,073-43.6% | $6,199-53.8% | $7,339-61.0% |