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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 | $46,596 | $97,648-52.3% | $121,663-61.7% | $87,485-46.7% |
| Participation rate | 37.8% | 70.5%-32.7pp | 74.5%-36.7pp | 68.9%-31.2pp |
| Annual return | 18.06% | 18.03%0pp | 147.54%-129.5pp | 26.06%-8.0pp |
| Employer contribution / active EE | $1,356 | $2,300-41.1% | $3,020-55.1% | $2,596-47.8% |
| Participant deferral / active EE | $2,906 | $3,923-25.9% | $4,887-40.5% | $4,274-32.0% |
| Admin fee / account holder | $775 | $11,100-93.0% | $14,289-94.6% | $7,775-90.0% |