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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 | $41,466 | $83,369-50.3% | $105,223-60.6% | $67,986-39.0% |
| Participation rate | 57.9% | 56.3%+1.7pp | 75.0%-17.1pp | 57.2%+0.7pp |
| Annual return | 17.83% | 24.64%-6.8pp | 180.65%-162.8pp | 31.67%-13.8pp |
| Employer contribution / active EE | $1,379 | $2,541-45.7% | $3,689-62.6% | $2,019-31.7% |
| Participant deferral / active EE | $1,694 | $3,295-48.6% | $5,072-66.6% | $3,358-49.6% |
| Admin fee / account holder | $1,416 | $4,073-65.2% | $8,859-84.0% | $3,203-55.8% |