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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 | $42,120 | $81,947-48.6% | $105,387-60.0% | $72,976-42.3% |
| Participation rate | 37.5% | 76.5%-39.0pp | 82.6%-45.1pp | 69.5%-32.0pp |
| Annual return | 19.51% | 42.90%-23.4pp | 26.82%-7.3pp | 81.02%-61.5pp |
| Employer contribution / active EE | $871 | $3,468-74.9% | $4,213-79.3% | $2,440-64.3% |
| Participant deferral / active EE | $1,903 | $4,494-57.6% | $5,502-65.4% | $3,608-47.2% |
| Admin fee / account holder | $3,718 | $6,258-40.6% | $6,559-43.3% | $5,124-27.4% |