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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 | $40,415 | $80,983-50.1% | $96,544-58.1% | $75,177-46.2% |
| Participation rate | 46.2% | 71.8%-25.6pp | 76.0%-29.8pp | 67.2%-21.1pp |
| Annual return | 17.55% | 27.05%-9.5pp | 25.88%-8.3pp | 160.75%-143.2pp |
| Employer contribution / active EE | $899 | $2,282-60.6% | $2,966-69.7% | $2,671-66.4% |
| Participant deferral / active EE | $1,972 | $3,929-49.8% | $4,851-59.4% | $4,126-52.2% |
| Admin fee / account holder | $2,470 | $6,717-63.2% | $8,254-70.1% | $5,651-56.3% |