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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 | $37,070 | $81,276-54.4% | $155,574-76.2% | $80,925-54.2% |
| Participation rate | 46.3% | 66.2%-20.0pp | 78.2%-31.9pp | 67.7%-21.4pp |
| Annual return | 11.40% | 33.36%-22.0pp | 64.87%-53.5pp | 35.65%-24.2pp |
| Employer contribution / active EE | $1,085 | $3,103-65.0% | $4,676-76.8% | $2,756-60.6% |
| Participant deferral / active EE | $1,891 | $3,453-45.2% | $5,629-66.4% | $4,299-56.0% |
| Admin fee / account holder | $641 | $7,993-92.0% | $15,914-96.0% | $6,940-90.8% |