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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 | $36,545 | $62,592-41.6% | $85,709-57.4% | $85,847-57.4% |
| Participation rate | 46.4% | 61.1%-14.7pp | 69.9%-23.4pp | 69.3%-22.9pp |
| Annual return | 14.71% | 23.77%-9.1pp | 21.49%-6.8pp | 318.61%-303.9pp |
| Employer contribution / active EE | $1,548 | $1,755-11.8% | $2,619-40.9% | $2,565-39.7% |
| Participant deferral / active EE | $3,508 | $2,802+25.2% | $3,924-10.6% | $3,952-11.2% |
| Admin fee / account holder | $1,096 | $4,643-76.4% | $6,876-84.1% | $6,261-82.5% |