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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 | $45,402 | $62,672-27.6% | $185,117-75.5% | $70,126-35.3% |
| Participation rate | 49.2% | 63.8%-14.6pp | 77.3%-28.1pp | 69.5%-20.4pp |
| Annual return | 17.64% | 40.79%-23.1pp | 40.50%-22.9pp | 73.15%-55.5pp |
| Employer contribution / active EE | $685 | $1,753-60.9% | $4,182-83.6% | $2,343-70.8% |
| Participant deferral / active EE | $2,783 | $3,272-14.9% | $5,045-44.8% | $3,332-16.5% |
| Admin fee / account holder | $3,889 | $3,932-1.1% | $8,159-52.3% | $4,645-16.3% |