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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 | $45,069 | $108,882-58.6% | $96,754-53.4% | $154,746-70.9% |
| Participation rate | 38.9% | 75.1%-36.2pp | 70.3%-31.4pp | 80.7%-41.8pp |
| Annual return | 21.71% | 98.39%-76.7pp | 82.04%-60.3pp | 172.34%-150.6pp |
| Employer contribution / active EE | $1,385 | $3,018-54.1% | $2,679-48.3% | $4,379-68.4% |
| Participant deferral / active EE | $3,808 | $5,323-28.4% | $4,758-20.0% | $6,730-43.4% |
| Admin fee / account holder | $709 | $10,200-93.0% | $8,905-92.0% | $14,365-95.1% |