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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 | $41,445 | $85,171-51.3% | $172,753-76.0% | $72,976-43.2% |
| Participation rate | 54.8% | 70.1%-15.2pp | 82.6%-27.8pp | 69.5%-14.7pp |
| Annual return | 21.85% | 27.32%-5.5pp | 803.00%-781.1pp | 81.02%-59.2pp |
| Employer contribution / active EE | $775 | $3,324-76.7% | $5,144-84.9% | $2,440-68.2% |
| Participant deferral / active EE | $1,246 | $3,260-61.8% | $5,198-76.0% | $3,608-65.5% |
| Admin fee / account holder | $2,312 | $5,880-60.7% | $13,956-83.4% | $5,124-54.9% |