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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 | $47,788 | $46,596+2.6% | $64,099-25.4% | $75,181-36.4% |
| Participation rate | 38.7% | 65.9%-27.3pp | 72.3%-33.6pp | 67.2%-28.5pp |
| Annual return | 14.59% | 26.04%-11.5pp | 33.70%-19.1pp | 160.69%-146.1pp |
| Employer contribution / active EE | $803 | $1,975-59.3% | $2,748-70.8% | $2,671-69.9% |
| Participant deferral / active EE | $1,010 | $2,837-64.4% | $3,881-74.0% | $4,126-75.5% |
| Admin fee / account holder | $1,940 | $2,954-34.3% | $3,070-36.8% | $5,650-65.7% |