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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 | $46,788 | $76,407-38.8% | $150,298-68.9% | $82,448-43.3% |
| Participation rate | 21.4% | 66.4%-45.0pp | 77.8%-56.3pp | 68.1%-46.6pp |
| Annual return | 20.88% | 39.99%-19.1pp | 62.79%-41.9pp | 41.64%-20.8pp |
| Employer contribution / active EE | $999 | $2,614-61.8% | $4,154-76.0% | $2,551-60.8% |
| Participant deferral / active EE | $1,669 | $3,214-48.1% | $5,453-69.4% | $4,139-59.7% |
| Admin fee / account holder | $2,073 | $6,352-67.4% | $14,116-85.3% | $7,234-71.3% |