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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 | $38,205 | $62,166-38.5% | $81,286-53.0% | $74,429-48.7% |
| Participation rate | 47.0% | 64.1%-17.1pp | 69.5%-22.5pp | 67.2%-20.2pp |
| Annual return | 16.06% | 16.50%-0.4pp | 24.80%-8.7pp | 1368.38%-1352.3pp |
| Employer contribution / active EE | $679 | $1,881-63.9% | $2,463-72.4% | $2,625-74.1% |
| Participant deferral / active EE | $2,015 | $3,223-37.5% | $3,883-48.1% | $4,348-53.7% |
| Admin fee / account holder | $2,939 | $1,925+52.7% | $5,764-49.0% | $1,944+51.2% |