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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 | $53,782 | $101,618-47.1% | $93,063-42.2% | $137,256-60.8% |
| Participation rate | 45.5% | 74.9%-29.5pp | 72.1%-26.7pp | 80.0%-34.5pp |
| Annual return | 21.21% | 223.95%-202.7pp | 34.15%-12.9pp | 220.34%-199.1pp |
| Employer contribution / active EE | $1,398 | $2,707-48.4% | $2,476-43.5% | $4,156-66.4% |
| Participant deferral / active EE | $2,043 | $4,279-52.3% | $3,958-48.4% | $6,407-68.1% |
| Admin fee / account holder | $1,346 | $6,198-78.3% | $6,033-77.7% | $12,270-89.0% |