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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 | $39,269 | $68,880-43.0% | $120,580-67.4% | $80,959-51.5% |
| Participation rate | 45.2% | 61.7%-16.5pp | 72.0%-26.8pp | 67.7%-22.5pp |
| Annual return | 16.75% | 23.68%-6.9pp | 107.48%-90.7pp | 35.67%-18.9pp |
| Employer contribution / active EE | $1,512 | $2,066-26.8% | $3,469-56.4% | $2,757-45.2% |
| Participant deferral / active EE | $3,315 | $3,191+3.9% | $4,995-33.6% | $4,300-22.9% |
| Admin fee / account holder | $411 | $5,785-92.9% | $9,418-95.6% | $6,925-94.1% |