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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 | $54,668 | $111,535-51.0% | $105,223-48.0% | $137,256-60.2% |
| Participation rate | 44.4% | 78.1%-33.6pp | 75.0%-30.6pp | 80.0%-35.5pp |
| Annual return | 16.35% | 237.85%-221.5pp | 180.65%-164.3pp | 220.34%-204.0pp |
| Employer contribution / active EE | $1,431 | $3,939-63.7% | $3,689-61.2% | $4,156-65.6% |
| Participant deferral / active EE | $2,281 | $5,500-58.5% | $5,072-55.0% | $6,407-64.4% |
| Admin fee / account holder | $1,138 | $9,721-88.3% | $8,859-87.2% | $12,270-90.7% |