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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 | $42,492 | $84,236-49.6% | $170,435-75.1% | $70,126-39.4% |
| Participation rate | 45.8% | 70.8%-25.0pp | 83.6%-37.8pp | 69.5%-23.7pp |
| Annual return | 23.98% | 23.06%+0.9pp | 205.94%-182.0pp | 73.15%-49.2pp |
| Employer contribution / active EE | $1,068 | $3,387-68.5% | $5,432-80.3% | $2,343-54.4% |
| Participant deferral / active EE | $2,310 | $3,086-25.1% | $4,939-53.2% | $3,332-30.7% |
| Admin fee / account holder | $687 | $5,698-87.9% | $13,881-95.0% | $4,645-85.2% |