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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 | $53,974 | $107,421-49.8% | $182,262-70.4% | $94,015-42.6% |
| Participation rate | 46.2% | 77.8%-31.6pp | 84.2%-38.1pp | 70.8%-24.7pp |
| Annual return | 23.53% | 21.32%+2.2pp | 140.60%-117.1pp | 17.84%+5.7pp |
| Employer contribution / active EE | $2,143 | $3,448-37.9% | $5,046-57.5% | $2,790-23.2% |
| Participant deferral / active EE | $5,177 | $6,558-21.1% | $8,276-37.5% | $4,249+21.8% |
| Admin fee / account holder | $3,505 | $8,692-59.7% | $16,712-79.0% | $8,951-60.8% |