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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 | $47,664 | $64,920-26.6% | $103,693-54.0% | $86,983-45.2% |
| Participation rate | 18.4% | 63.6%-45.2pp | 72.6%-54.2pp | 69.5%-51.1pp |
| Annual return | 21.86% | 30.29%-8.4pp | 47.61%-25.7pp | 25.83%-4.0pp |
| Employer contribution / active EE | $351 | $2,141-83.6% | $2,920-88.0% | $2,584-86.4% |
| Participant deferral / active EE | $2,192 | $3,241-32.4% | $4,579-52.1% | $4,194-47.7% |
| Admin fee / account holder | $2,637 | $6,191-57.4% | $7,858-66.4% | $7,856-66.4% |