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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 | $41,178 | $110,337-62.7% | $102,383-59.8% | $145,877-71.8% |
| Participation rate | 53.3% | 77.9%-24.6pp | 74.5%-21.2pp | 80.3%-27.0pp |
| Annual return | 12.03% | 24.83%-12.8pp | 24.94%-12.9pp | 551.28%-539.3pp |
| Employer contribution / active EE | $1,526 | $4,216-63.8% | $3,870-60.6% | $4,663-67.3% |
| Participant deferral / active EE | $2,386 | $5,621-57.6% | $5,060-52.8% | $6,691-64.3% |
| Admin fee / account holder | $1,251 | $9,750-87.2% | $8,391-85.1% | $13,402-90.7% |