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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 | $63,703-29.5% | $93,063-51.8% | $82,448-45.6% |
| Participation rate | 45.9% | 63.8%-17.9pp | 72.1%-26.2pp | 68.1%-22.1pp |
| Annual return | 15.88% | -775.43%+791.3pp | 34.15%-18.3pp | 41.64%-25.8pp |
| Employer contribution / active EE | $1,345 | $1,729-22.2% | $2,476-45.7% | $2,551-47.3% |
| Participant deferral / active EE | $1,817 | $2,919-37.7% | $3,958-54.1% | $4,139-56.1% |
| Admin fee / account holder | $2,864 | $5,982-52.1% | $6,033-52.5% | $7,234-60.4% |