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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 | $23,203 | $54,380-57.3% | $68,509-66.1% | $59,633-61.1% |
| Participation rate | 48.8% | 70.2%-21.4pp | 74.7%-25.9pp | 68.7%-19.9pp |
| Annual return | 4.61% | 2.83%+1.8pp | 8.27%-3.7pp | 2041.45%-2036.8pp |
| Employer contribution / active EE | $837 | $1,539-45.6% | $2,278-63.3% | $2,203-62.0% |
| Participant deferral / active EE | $1,408 | $2,643-46.7% | $3,382-58.4% | $3,192-55.9% |
| Admin fee / account holder | $2,648 | $3,885-31.8% | $5,275-49.8% | $4,297-38.4% |