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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 | $38,795 | $76,551-49.3% | $123,894-68.7% | $62,881-38.3% |
| Participation rate | 45.5% | 73.0%-27.5pp | 81.4%-36.0pp | 69.3%-23.9pp |
| Annual return | 7.48% | 18.68%-11.2pp | 47.52%-40.0pp | 20.14%-12.7pp |
| Employer contribution / active EE | $525 | $2,882-81.8% | $4,617-88.6% | $2,281-77.0% |
| Participant deferral / active EE | $2,792 | $4,840-42.3% | $5,984-53.3% | $3,203-12.8% |
| Admin fee / account holder | $1,446 | $4,826-70.0% | $8,357-82.7% | $4,296-66.3% |