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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 | $40,895 | $72,273-43.4% | $101,275-59.6% | $79,856-48.8% |
| Participation rate | 55.1% | 68.5%-13.4pp | 75.8%-20.7pp | 69.6%-14.5pp |
| Annual return | 43.45% | 22.30%+21.2pp | 46.48%-3.0pp | 31.71%+11.7pp |
| Employer contribution / active EE | $1,051 | $2,691-61.0% | $3,660-71.3% | $2,471-57.5% |
| Participant deferral / active EE | $2,257 | $3,282-31.2% | $4,371-48.4% | $3,741-39.7% |
| Admin fee / account holder | $1,263 | $4,401-71.3% | $5,948-78.8% | $5,306-76.2% |