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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 | $114,119-52.1% | $107,187-49.0% | $138,895-60.6% |
| Participation rate | 44.4% | 78.1%-33.6pp | 75.0%-30.6pp | 79.9%-35.5pp |
| Annual return | 16.35% | 273.21%-256.9pp | 204.55%-188.2pp | 145.39%-129.0pp |
| Employer contribution / active EE | $1,431 | $4,059-64.7% | $3,782-62.2% | $4,194-65.9% |
| Participant deferral / active EE | $2,281 | $5,538-58.8% | $5,096-55.2% | $6,396-64.3% |
| Admin fee / account holder | $1,138 | $10,024-88.6% | $9,162-87.6% | $12,562-90.9% |